Services
Most of what we all need to know to make the best financial decisions for our lives is not taught in school.
Where would we learn?
There is no shame in not knowing all of the answers.
Everyone can have access to great financial advice.
Service Approach
Financial planning is most effective when a full financial plan of how to accomplish your life goals is created, monitored, and adjusted over time. This plan includes guidance on what you need to save and invest in order to reach your goals.
Investing is most effective when it is done according to your financial plan so that you have confidence that you are taking the right actions now in order to meet your life goals.
Check out our examples of what financial planning can do for you.
What Services Fit My Needs?
If you need…
Fast answers to financial questions from a CERTIFIED FINANCIAL PLANNER® Professional:
A personalized financial plan to meet your goals, for a one-time fee:
Ongoing, personalized financial guidance and education:
Investing services to start or continue saving and investing for the future:
Financial guidance for someone else
Examples: employees, relatives, community members, students, etc.:
Fast answers to financial questions from a CERTIFIED FINANCIAL PLANNER® Professional
Time with a CERTIFIED FINANCIAL PLANNER® Professional
Get time to discuss the financial topics of your choice.
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30 minutes with a CERTIFIED FINANCIAL PLANNER® Professional
Get a 30-minute video call with a CERTIFIED FINANCIAL PLANNER® Professional to discuss the financial topics of your choice.
Recommended for 1-2 questions within the call
$125 -
60 minutes with a CERTIFIED FINANCIAL PLANNER® Professional
Get a 60-minute video call with a CERTIFIED FINANCIAL PLANNER® Professional to discuss the financial topics of your choice.
Recommended for 3-4 questions within the call
$200 -
90 minutes with a CERTIFIED FINANCIAL PLANNER® Professional
Get a 90-minute video call with a CERTIFIED FINANCIAL PLANNER® Professional to discuss the financial topics of your choice.
Recommended for 5-6 questions within the call
$300 -
15 Minute Add-On with a CERTIFIED FINANCIAL PLANNER® Professional
Add 15 minutes to an a video call with a CERTIFIED FINANCIAL PLANNER® Professional to continue discussion of the financial topics of your choice.
As needed, during a call
$50
A personalized financial plan to meet your goals, for a one-time fee
Full Life Financial Plan
Wherever you are, you can plan how to reach your life goals.
Investment management is not required in order to use our financial planning services.
Create your financial plan all at once, in 3 phases, or one step at a time.
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Full Life Financial Plan (with All Planning Areas)
Includes individual guidance to complete a full financial plan, specific action steps to meet your goals, "what-if" simulations to display projected future results to assist with current decisions, and a report of the plan.
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Includes 12 months of Ongoing Financial Planning
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This can include the following areas:
Understand My Goals, Show Where I Am Now, Max my cash flow & cut my debt, Jumpstart My Saving and Investing, Pick My Employee Benefits, Pick My Work Retirement Plan Investments, Review My Current Insurance and Needs, My Plan that Lives On, Max My One-Time Income, Before I Buy, Fund My Family's Education, Fund My Life Goals, Review My Current Investments, Plan My Retirement Age & Lifestyle, and Max My Tax Strategy
$1800+ (based upon complexity of the situation)
by card, bank accounts, or some investment accounts
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Smart Start (Full Life Financial Plan in 3 Phases)
Smart Start - First Steps
This can include the following areas:
Understand My Goals, Show Where I Am Now, Max my cash flow & cut my debt, and Jumpstart My Saving and Investing—
Smart Start - Middle Steps
This can include the following areas:
Pick My Employee Benefits, Pick My Work Retirement Plan Investments, Review My Current Insurance and Needs, My Plan that Lives On, and Max My One-Time Income—
Smart Start - Last Steps
This can include the following areas:
Before I Buy, Fund My Family's Education, Fund My Life Goals, Review My Current Investments, Plan My Retirement Age & Lifestyle, and Max My Tax Strategy
First Steps: $450 / Middle Steps: $600 / Last Steps: $1200
by card, bank accounts, or some investment accounts
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À La Carte or Project Financial Planning
Includes individual guidance and one or more financial planning services at a flat rate.
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Additional services that are not specified can be customized upon request.
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This can include the following areas:
Understand My Goals, Show Where I Am Now, Max my cash flow & cut my debt, Jumpstart My Saving and Investing, Pick My Employee Benefits, Pick My Work Retirement Plan Investments, Review My Current Insurance and Needs, My Plan that Lives On, Max My One-Time Income, Before I Buy, Fund My Family's Education, Fund My Life Goals, Review My Current Investments, Plan My Retirement Age & Lifestyle, and Max My Tax Strategy
(Prices are listed for each service)
by card, bank accounts, or some investment accounts
Ongoing personalized financial guidance or education
Ongoing Financial Planning
You can have access to custom financial guidance and education beyond creation of a financial plan.
Examples
Financial guidance during life, work, or business changes
Financial guidance before, during, and after family changes such as partnering, marriage, children, or divorce
Financial guidance on life changes after the death of a family member
Financial guidance and planning for executives, entrepreneurs, NIL and professional athletes, entertainers, and other professions
Financial oversight and education to make sure that other wealth management, private banking, or other investment companies are doing what you expect
Financial planning representation in meetings or working with your business team (accountants, attorneys, agents, assistants, staff, etc.)
Monitoring, review, oversight, and education of actions of other financial professionals to ensure there is accountability
Other custom financial guidance or financial education needs
Investment management is not required in order to use our ongoing financial planning.
You can have the advantage of custom financial guidance for your needs.
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Ongoing Financial Planning
Includes financial guidance as needed, assistance with financial decisions, monitoring or oversight of finances, and more, based upon the complexity of your needs.
Includes an optional Full Life Financial Plan when 12-month commitments are chosen
$150-$1,250 per month
OR $450-$3,750 per quarter
by card, bank accounts, or some investment accounts
Investing services to start or continue saving and investing for the future
Investment Management
Investing is just one tool for reaching your goals in your financial plan.
It is important to invest the right amounts in the right types of accounts in the right types of investments with the right strategy and discipline in order to accomplish your goals.
With no minimum amount to start, you can have your investments managed professionally to empower your retirement, your family’s dreams, wealth-building, and other goals.
All investments are held at Schwab or Altruist as custodians. We use a long-term, low-cost investment approach to meet your life goals of your financial plan. Our investing is not automated. Investment management is not required in order to use our financial planning services.
Reach your goals with confidence with professional investment management.
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Ongoing Investment Management up to $180,000
Includes creation of your investment strategy to meet your goals according to your risk tolerance, investment selection, trading, monitoring, maintenance, rebalancing, statements, and planning app access.
Financial Planning can be added.
No financial planning services are required.
Annual fee of 1%
paid as 0.25% quarterly from accounts -
Ongoing Investment Management from $180,000 - $1,000,000
Includes creation of your investment strategy to meet your goals according to your risk tolerance, investment selection, trading, monitoring, maintenance, rebalancing, statements, and planning app access.
Includes Ongoing Financial Planning.
No financial planning services are required.
Annual fee of 1%
paid as 0.25% quarterly from accounts -
Ongoing Investment Management over $1,000,000
Includes creation of your investment strategy to meet your goals according to your risk tolerance, investment selection, trading, monitoring, maintenance, rebalancing, statements, and planning app access.
Includes Ongoing Financial Planning.
No financial planning services are required.
Annual fee of 1% for the first $1,000,000
plus 0.75% of amount $1,000,000 - $2,999,999
plus 0.50% of amount $3,000,000 - $4,999,999
plus 0.35% of amount over $5,000,000
divided into 4 quarterly payments from accounts
There are also ways to empower others with understanding of how to meet their own financial goals through financial planning and education.
The Gift of Financial Planning
Did you know that you can make a life-changing gift
of a confidential, personalized financial plan
or planning services to someone else?
This could benefit people who are…
beginning their careers
making major life changes or financial decisions
recovering from financial hardship
joining with or separating finances from someone
wanting financial guidance but think it is not accessible
Employers: Financial Wellness
as an Employee Benefit
Financial concerns can be a source of stress for your employees, across various economic levels.
Did you know that financial wellness benefits are a great way to invest in the futures of your employees?
Confidential services can be provided for your staff, with charges only billed if employees choose to start services:
One-time financial plans at a fixed rate
Time for answering questions in 60-minute time blocks
Personalized assistance with retirement planning, employee benefits, or other financial topics