FINANCIAL PLANNING

We’re here to help you with those prickly situations.

INITIAL CONSULTATION

We love collaborating with our clients to help bring clarity to their financial lives and confidence in their financial decisions. Our role is to walk with you, listen to you, help you avoid missteps, and offer informed advice based on what matters most to you.

SHORT-TERM PLANS

Perfect for getting on track!

FOUNDATIONS PLAN – $450

This is an overall assessment of your finances to see
whether you’re on track and includes:

 

  • Focusing on 1-2 of your most important goals
  • Reviewing and helping you prioritize your goals
  • Designing a budget that fits your personal needs
  • Completing a cash flow analysis
  • Creating a plan for automating your finances
  • Creating a customized debt payoff plan
  • A 2-month engagement with a CFP® professional

COMPREHENSIVE PLAN – $1,200 – $5,000

Includes everything from the FOUNDATIONS PLAN plus a
review of the following areas:

 

  • Planning for major goals or upcoming expenses
  • Reducing risk with adequate insurance coverages
  • Employee Benefits including retirement plan
  • Protecting assets with proper estate planning
  • Finding all possible tax deductions and credits
  • Reviewing investments, and allocations among accounts
  • A 3-month engagement with a CFP® professional.

Comprehensive financial plans will vary in price depending on complexity. Project-based engagements are available at the hourly rate of $125/hour.

ONGOING PLANNING

A living, breathing financial plan.

ONGOING PLANNING – $137 to $350 monthly

(Planning fee waived for clients with $250k+ in assets under management)

Financial planning is a process, not a one-time event. We work with you in a collaborative approach which results in a cohesive financial strategy tailored to your needs. Over the course of several meetings – with a mixture of discussions, education, and ongoing advice – we address any gaps and opportunities found. We give you clarity, by simplifying complex topics and helping you prioritize your goals based on what matters most.

We believe in financial education because when you have a clear understanding of your finances and a solid plan in place, you are empowered to make informed decisions. From our initial discovery meeting to implementation assistance and ongoing support, your progress is something we continually monitor and we adjust your plan as needed. Life changes and plans change, so will your finances evolve over time. Our goal is to keep you on target and engaged so you walk away each time more knowledgeable and confident than the last.

The first month consists of three up-front meetings: A get to know you meeting, a meeting where we get organized, and a meeting where we present your initial action items. From there, we check in on your progress and will update the plan with any necessary changes. A plan without action is useless so we work with you as a coach and an accountability partner to help you with implementation and become more confident with your money.

 

Access to a CFP® that you can reach out to anytime along with ongoing guidance and implementation assistance.

Electronic access to your financial plan that is secure, simple and where you can view changes immediately.

Meetings 2-4 times a year to review progress and investments, in-person or virtually.

Comprehensive Planning which includes a holistic view of cash flows, retirement, tax, insurance, estate planning, and philanthropy.

 

WHAT’S THE NEXT STEP?

Take charge of your financial future!

Interested in our other services?

Learn more about our investment management services.
Learn more about our employer solutions.

Access to a fee-only, fiduciary advisor

As a fee-only firm, we are not paid a commission for selling financial products. That means we are objective when it comes to providing recommendations for your particular situation. 

This also allows us to provide the advice you wouldn’t typically receive from other financial advisors. Whether you need help just getting organized or you need someone to provide a stock option execution strategy, we're here to help.

Financial plan progress reports

We track several pieces of a financial plan that we measure on an ongoing basis and send you updates.

After we complete our initial strategy, we'll be checking in to provide an update on investments, retirement plan changes, or cash flow needs.

This also gives your advisor a 360° view of your financial situation to continuously measure your financial health and provide accurate and precise advice when those unexpected life events arise. 

Quarterly net worth tracking

Along with a real-time net worth summary, which you can always view on your dashboard, we will deliver quarterly net worth progress reports to show a historical view of your progress. The report includes a detailed breakdown of your assets and debts so it’s clear which factors are contributing to growth (or decline).

Retirement plan optimization

A retirement plan is one of the most proactive ways to reduce and defer taxes. For business owners, this could mean designing a retirement plan that will help you maximize your savings or just a great way to increase employee loyalty.

It's important to get advice from someone who is not incentivized to sell you a retirement plan. In many cases, the timing and type of plan you establish will either accelerate your growth or hold you back. We will provide an independent voice of reason to help you understand all the options available in the marketplace—not just the ones available through a single provider.

As technology and service models change, the best-of-class retirement plans also change. We can work with your existing provider to enhance the investment selection and design of your existing plan, or we can recommend a more optimal solution with a new servicing partner that might be a better fit for your situation. The optimal design is often different depending on your business. Every year, we'll continually analyze your retirement plan to see if we can increase your tax deductions. This is important as your personal income reach new levels and higher tax brackets.

Coordination with your other professional contacts

Using a limited power of attorney, we will establish lines of communication with each of your professional contacts to request data and documents on a regular basis. In essence, we’ll be the quarterback of your service provider team and make sure your financial playbook includes the most up-to-date information from all the right sources.

This allows us to complete much of our analysis behind the scenes without disrupting your busy schedule.

Personal dashboard

You and your advisor will collaborate using real-time information. You’ll be able to view your account activity, assets, and debts in one place.

Instead of relying on assumptions, you and your advisor can make decisions much faster, using the most up to date information. 

Insurance evaluation and recommendations

We don't sell insurance, however, we will point you in the right direction if we think you have too little (or too much) insurance coverage.

We’ll take a look at your life insurance, personal disability, business insurance, and personal liability. Each of these policies will be reviewed on an annual schedule so we can make adjustments as your spending and net worth change.

Debt payoff strategy

Debt can be a major stressor. Between student loans, mortgages, and other things life can throw at you, the pile of debt can seem insurmountable.

Not only are we well-versed in student loan repayment strategies, we will show you how debt factors into your overall financial strategy and how to find the right balance between paying it down and saving for the future.

An investment advisor on your side

According to Vanguard,  using the right kind of advisor can add 3% in net returns each year. We wish it were as easy as buying cheap index funds and putting things on autopilot, however, we believe in a combination of behavioral coaching, asset location, and proper rebalancing to ensure growth is maximized and taxes are minimized. Read Vanguard's full report here.

We'll be cautious as we analyze the tax impact of any changes, and start to position your portfolio with cost-effective investments and a highly disciplined approach that captures value across countries, companies, currencies, and real estate. Your tax rate, liquidity, cash flow, personality profile, time frames, and risk tolerance will all be factored into your investment strategy. As markets go through ups and downs, we’ll be your voice of reason to help you navigate adjustments and stay consistent when it's difficult to do so.

Tax-advantaged charitable giving

Writing a check to your church or favorite charity is a great way to give, however, we can do an audit of your investment accounts to find specific lots of securities that have the most significant capital gains.

The significance in that is that we can then donate those shares to charities that accept in-kind contributions, and eliminate the capital gain taxes owed on those highly appreciated securities. If you are saving money on a regular basis, we can often make these donations with minimum impact to your portfolio diversification.

As with all tax matters, it's important for us to collaborate with your CPA to have a discussion if we are contemplating a large donation and explore any unknown variables specific to each tax year.