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
can be created, monitored, and adjusted over time.
To support your current and future financial goals, we offer:
Ongoing investment management (can include financial planning)
Ongoing or one-time financial planning
A wide range of customizable à la carte, project, or custom services
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.
-
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
Financial Planning
Wherever you are, you can get your financial
questions answered and plan to reach your life goals.
Investment management is not required
in order to use our flat-fee financial planning.
-
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.
Includes 12 months of Ongoing Financial Planning.
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 Plan My Tax Strategy
$1800
by card, bank accounts, or some investment accounts
-
Ongoing Financial Planning
Includes individual, ongoing guidance as needed, assistance with financial decisions, monitoring or oversight of finances, and more, based upon the complexity of your needs.
Includes a Full Life Financial Plan, spread over up to 12 months.
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 Plan My Tax Strategy
$150-$1,250 per month
OR $450-$3,750 per quarter
by card, bank accounts, or some investment accounts
-
À La Carte or Project Financial Planning
Includes individual guidance and one or more financial planning services at a flat rate.
Additional services that are not specified can be customized upon request.
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 Plan My Tax Strategy
(Prices are listed for each service)
by card, bank accounts, or some investment accounts
Smart Start
If you are at the beginning of your financial journey,
need a new beginning, or are building your financial plan,
Smart Start is a great place to start!
Smart Start can be used to complete parts of a plan
and build a complete Full Life Plan over time.
GREAT VALUE
+The Full Smart Start saves 47% compared to à la carte pricing
-
Smart Start - First Steps
Get started on individual guidance that begins the first steps of a fresh start or the first steps of a full financial plan. 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
$450
-
Smart Start - Middle Steps
Get individual guidance that builds the middle steps of a full financial plan. 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
$600
-
Smart Start - Last Steps
Get individual guidance that completes the last steps of a full financial plan. 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 Plan My Tax Strategy
$1200
Smart Start First Steps
Determine where you are, where you are going,
and get action steps of how to start down that path.
Setting Goals, Current Financial State, Budgeting,
Debt Payoff, Savings & Investing Introduction
Build your strong financial foundation all at once or one session at a time.
-
Understand My Goals
Get a clear picture of your life's financial goals.
Includes a 15-minute video call and a summary and priority of your life goals.
$0 -
Show Where I Am Now
Get a clear picture of the current state of your financial life.
Includes a 30-minute video call and a customized report of the current state of your financial life.
$100 -
Max My Cash Flow
Get individual guidance on budgeting to make the most of your income and limit expenses to have more than you may think.
Includes a 30-minute video call, a customized report of your current cash flow, insights on how to increase your remaining cash, and an ideal budget for your income and expenses.
$100 -
Cut My Debt
Get individual guidance on how to pay off debt most quickly at the lowest cost.
Includes a 30-minute video call, a customized report of your current debt payments, instructions of what to pay towards each debt at given times, and details of when debts will be paid off.
$150 -
Max My Cash Flow & Cut My Debt
Get individual guidance on budgeting to make the most of your income, limit expenses to have more than you may think, and pay off debt most quickly at the lowest cost.
Includes a 60-minute video call, a customized report of your current cash flow, insights on how to increase your remaining cash, an ideal budget for your income and expenses, a customized report of your current debt payments, instructions of what to pay towards each debt at given times, and details of when debts will be paid off.
$250 -
Jumpstart My Saving and Investing
Get individual guidance on healthy ways to build and maintain a emergency fund and begin investing.
Includes a 30-minute video call and instructions for appropriate ways to save and/or invest for your current state.
$100
Smart Start Middle Steps
Protect yourself and your loved ones as you
make work benefits and one-time income have lasting impact.
Employee Benefits, Work Retirement Plan Investments, Insurance Needs, Estate Planning, and Maximizing One-Time Income
Work on your needs all at once or one session at a time.
-
Pick My Employee Benefits
Get individual guidance on the best benefits from your employer for your specific needs.
Includes a 60-minute video call to assist you with your selections.
$200 -
Pick My Work Retirement Plan Investments
Get individual guidance on the investments that fit your investing style and needs in your 401(k), 403(b), or 457 Investment selections.
Includes a 60-minute video call to review the available investments, an assessment of your investing style, and a report of the recommended investments to select.
$300 -
Review My Current Insurance and Needs
Get an unbiased opinion about the insurance that you already have and insurance that you ideally need from a professional that is not paid through selling insurance.
Includes a 60-minute video call to review existing coverage and recommendations on your insurance needs.
$200 -
My Plan that Lives On
Get individual guidance on ensuring that your wishes for your care, loved ones, and assets are followed if you became unable to speak for yourself or passed away, from a financial perspective.
Includes a 30-minute video call with instructions and checklists to begin or update your estate planning. (Note that this session does not include drafting will, trust, or other legal documents.)
$100 -
Max My One-Time Income
Get individual guidance on how to make the most of one-time or lump sum income such as a tax refund, bonus, inheritance, lottery winnings, settlements, or more.
Includes a 60-minute video call and a plan for how to make your money make the most impact.
$300
Smart Start Last Steps
We use financial projections and simulations
to show you the likely future results of your actions.
This empowers you to make informed decisions today with confidence.
Home buying or Major Purchases, Career Changes,
Education Funding, Paying for Life Goals,
Investment Review, Retirement Planning, Tax Strategy
Get guidance to make your dreams reality all at once or one session at a time.
-
Before I Buy
Get individual guidance on how buying a home, vehicle, rental property, or other major purchases will affect your financial life before committing tens of thousands or hundreds of thousands of dollars of your current and future income.
Includes a 60-minute video call, recommendations on maximum pricing and terms for your purchase, and a report of how the purchase affects your financial future.
$300 -
Before I Change Careers
Get individual guidance on how changing careers will affect your financial life before making significant changes to your career.
Includes a 60-minute video call, recommendations of what to consider before committing to the change, and and a report of how the career change affects your financial future.
$400 -
Fund My Family's Education
Get individual guidance on how to pay for education for college, vocational or trade schools, K-12 schools, and other education options.
Includes a 60-minute video call and a plan for how to fund education expenses.
$300 -
Fund My Life Goals
Get individual guidance on how to fund all of your life goals, outside of retirement.
Includes a 60-minute video call and a plan for how to fund your goals.
$300 -
Review My Current Investments
Get an unbiased review of your existing investments through other providers to ensure that the investments match your investment style and perform as you expect.
Includes a 60-minute video call and review of your investment approach in up to 3 investment accounts.
$400 -
Plan My Retirement Age & Lifestyle
Get details of your future retirement needs, retirement benefits, how to save towards retirement, and date when you are projected to have the funds to retire at the lifestyle that you desire.
Includes a 60-minute video call, instructions on how to save for retirement, "what-if?" projections and simulations of results of your retirement savings and benefits, and your expected cash flow in retirement.
$600 -
Max My Tax Strategy
Get individual guidance on how to make financial moves to minimize your personal taxes before the tax year is over.
Includes a 60-minute video call, an assessment of if your taxes are optimized, and recommendation of ways to reduce taxes if not already optimized.
$400
Sessions by Time
Get time to discuss the financial topics of your choice.
-
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.
$100 -
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.
$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.
$300 -
15 Minute Add On with a CERTIFIED FINANCIAL PLANNER® Professional
Add an additional 15 minutes to an existing video call with a CERTIFIED FINANCIAL PLANNER® Professional to continue discussion of the financial topics of your choice.
$50
Additional Specialty Sessions
-
Thrive in Retirement
Get individual guidance on how to make the most of your retirement income while already in retirement.
Includes a 60-minute video call, budgeting, debt payoff, and savings recommendations.
$200
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 due if employees choose to start services:
One-time financial plans at a fixed rate
Time in 30-minute or 60-minute time blocks
Personalized assistance with retirement planning, employee benefits, or other financial topics