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.
Financial planning areas:
Current state, cash flow (income & expense analysis) and budgeting, debt planning, saving and investing, employee benefits, retirement plan investments, insurance needs analysis, estate planning, plans for 1-time income (bonus, inheritance, sold assets, etc.), goal planning, review of current investments, retirement planning, tax planning, education planning, planning for major purchases, planning before career changes, and more
Check out our examples of what financial planning can do for you.
What Services Fit My Needs?
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1-Session Financial Planning & Advice
Fast answers from a CERTIFIED FINANCIAL PLANNER® Professional or planning in small steps
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Full Life Financial Plan
A personalized, comprehensive financial plan to meet your goals
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Ongoing Financial Planning
Ongoing, personalized financial guidance and education
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Investment Management
Investing services to start or continue saving and investing for the future
Did you know?
Financial planning can be provided as an employee benefit or gifted to someone else
1-Session Financial Planning & Advice
Fast answers from a CERTIFIED FINANCIAL PLANNER® Professional, only as you need it:
Guidance on budgeting, debt management, saving, and investing
Second opinions on advice, from a fiduciary that acts in your best interests
Financial wellness checks for DIY investors OR financial advice without investment management requirements
Advice before buying and selling anything, tax planning guidance, education savings, self-employment financial planning
Advice on choosing retirement accounts, employee benefits, or exercising company stock options
Much more — just ask about what you need
View availability and schedule now
1-Session Financial Planning & Advice
1-hour live session
through Zoom video call or phone
Best for answers to 1-4 key questions
for 1 major topic
$375
For document review in advance
and answers about the document
$695
1-Double Session Financial Planning & Advice
2-hour live session
through Zoom video call or phone
Best for answers to 5-8 key questions
for 1-2 major topic(s)
$695
Best value for answers:
Save 15% on the 2nd hour
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 full financial plan to change your financial life right away.
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Full Life Financial Plan (with All Planning Areas)
ALL financial planning areas
3-4 live meetings, analysis, projections, comprehensive report for all financial areas desired built within 1-3 months, action plans, and 12 months of minor plan updates and email support
12 months of Ongoing Financial Planning
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$2,750
by card, bank accounts, or some investment accounts
Ongoing Financial Planning
Investment management is not required in order to use our ongoing financial planning.
A minimum 12-month commitment is requested to maximize the impact and progress.
You can have the advantage of custom financial guidance for your needs.
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Ongoing Light
Beginning financial planning: Maximize cash flow and savings
+Includes Current State & Goals, Cash Flow & Savings, Max Income & Minimize Risk, Ongoing Review & Updates (no Projections & Actions to Achieve Goals)+Includes optional cash flow management and financial planning tool subscriptions
+Can upgrade to Ongoing Complete for a Full Life Financial Plan
BEST FOR:
-Starting financial planning with a smaller scope and lower cost
$125 per month
by card, bank accounts, or some investment accounts
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Ongoing Complete
Comprehensive financial planning: Full Life Financial Plan and 2-3 meetings/yr
+Includes Current State & Goals, Cash Flow & Savings, Max Income & Minimize Risk, Projections & Actions to Achieve Goals, Ongoing Review & Updates+Includes optional cash flow management and financial planning tool subscriptions
BEST FOR:
-Building a complete financial plan for how to reach life goals
$250 per month
by card, bank accounts, or some investment accounts
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Ongoing Plus
Comprehensive financial planning: Full Life Financial Plan and 2-6 meetings/yr
+Includes Current State & Goals, Cash Flow & Savings, Max Income & Minimize Risk, Projections & Actions to Achieve Goals, Ongoing Review & Updates+Includes optional cash flow management and financial planning tool subscriptions
+Includes an optional initial investment plan for DIY or self-directed investors (people that manage their own funds)
BEST FOR:
-Building a complete financial plan for how to reach life goals PLUS additional meeting time and an initial investment plan WITHOUT ongoing investment management
$500 per month
by card, bank accounts, or some investment accounts
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Ongoing Oversight
Comprehensive financial planning: Full Life Financial Plan and monthly review
+Includes Current State & Goals, Cash Flow & Savings, Max Income & Minimize Risk, Projections & Actions to Achieve Goals, Ongoing Review & Updates+Includes optional cash flow management and financial planning tool subscriptions
+Includes review and explanation of finances and accounts at other firms
+Includes financial representation with your business team (accountants, attorneys, agents, assistants, staff, etc.)
BEST FOR:
-Building a complete financial plan for how to reach life goals PLUS monthly review and meeting time for oversight of outside accounts AND collaboration with your business team
$750+ per month
by card, bank accounts, or some investment accounts
Investment Management
Investing is just onetool 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.
Unlike many investment managers, fees are CAPPED, NOT unlimited.
We just don’t believe that unlimited fees are necessary.
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.
ALL investment management 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.
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Ongoing Investment Management up to $400,000
Financial Planning can be added.
No financial planning services are required.
1% per year, paid as 0.25%, four times per year(Example: $200,000 managed = $500, 4 times / year)
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Ongoing Investment Management from $400,000 - $1,000,000
Includes optional Ongoing Financial Planning.
No financial planning services are required.
1% per year, paid as 0.25%, four times per year(Example: $500,000 managed = $1250, 4 times / year)
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Ongoing Investment Management over $1,000,000
Includes optional Ongoing Financial Planning.
No financial planning services are required.
FLAT FEE: $2,500 four times per year(Example: $2,000,000 managed = $2,500, 4 times / year; $10,000 LESS IN FEES PER YEAR through the flat fee)
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 add stress, reduce reliability, and influence career decisions for your employees, across many economic levels.
Did you know that you can easily provide financial wellness benefits to invest in the futures of your employees?
Attract and retain your employees with innovative wellness benefits!
We provide confidential services for your staff without sharing details of sessions with employers. Charges are only billed to the employer as each employee uses services.
1-Session or 1-Double Session Financial Planning and Advice
(great for retirement planning, budgeting, debt, employee benefits assistance, company stock or option advice (RSU, ISO, NSO), etc.)Packages of 3 sessions of 1-Session Financial Planning and Advice
One-time Full Life Financial Plans
6-month or 12-month subscriptions for ongoing financial planning
Other custom packages