Financial Planning for Your Family
Life is a series of events and decisions; some simple, others complex. Ongoing financial planning is not a one-time event. It is a process to help determine the best choices for you today and for tomorrow. Financial planning provides value at every stage of life. It’s never too early or too late to start.
Our fees are based on complexity and the amount of time that we dedicate together for your goals. Review below for an overview of our fee structure. Keep in mind, there are no assets under management (AUM), no commissions, no upfront charges. Simply, a monthly flat fee-for-service. You are in control and if you choose to do so, you can cancel at any time. Our firm understands trust is not given, it’s earned. By offering a clear and transparent price structure, we hope to start earning your trust and give you value right away.
Financial planning isn’t one size fits all.
Let’s see which fee structure aligns best for you and your family.
One-Time Fee
$3,200 and up (broken up into two payments, half upfront and the other half after engagement)
Includes 4-6 meetings over the next 3 months
Short-term engagement (at least 10 hours in total)
Will cover many of your main goals and priorities by setting you up for success for the next few years
Ongoing Partnership
$6,180 / year (broken up to $515 per month
Includes many meetings and an ongoing relationship for as long as you wish to hire me.
This includes the total package: tax planning, comprehensive financial planning, and everything in between from a trusted financial partner for the long term.
One-Time Fee
$360/hour (billed in increments of 5 mins)
Need one off guidance? Just a few hours here and there? This would be the best model.
We will advise you on all personal and business matters and be there for you when you need us most.
What to Expect in the Process
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This is our first meeting. It has one goal, to figure out if working together is the right fit. Before this meeting, I will send you a proposal with our fees, and you can decide if that works for you. We will take the time to review the worksheet together and go over our process and answer all of your immediate questions along with our fee structure.
We’d like to know what you think about your short-term and long-term goals, who you are, your situation, and what you’re looking for in an advisor. If we are not the right fit, we will refer you to an advisor that is. But If we decide it makes sense to work together, we will move forward.
In between this meeting and the next meeting, we have you fill out our financial planning software and send us all the documents we need.
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In this meeting, we spend a ton of time getting to know you and your money story. How do you feel about money? What goals do you have? Short-term, midterm, & long-term. What do you really want out of life? We get to know all the personal stuff.
Then we go through our financial planning software to understand all the financials. What company benefits do you have? Do you have equity comp? Are you using the right accounts? What do we need in emergency funds? Are you invested properly? Roth Conversion planning strategies?
We look at it all.
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In this meeting, we go through our first initial plan and actionable items to take. We will go through your net worth, asset allocation, tax allocation, goals, how on track you are, our recommendations, your surplus breakdown, and your cash breakdown.
This is the output of the first few meetings to get a plan in place. It's meant to give direction based on what both sides felt was important to do.
Most of the action items we discussed in meeting 2, so we could understand and decide together what would be the best routes for you.
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This is unique to us.
We have a 2/3 week break between meetings 3 and 4 where each side can get their share of the work done. Then in this meeting, we make sure everything gets implemented on the plan. Ex: 401(k) changes, savings automation, new bank account, etc.
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About 1 month after, we have a check-in meeting to see if we were right on your surplus and see how everything is going. If any changes need to be made, then we make them.
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We set quarterly check-ins to make adjustments, get updates, and see how things are going and where we can help/add value.
On top of this, you always have access to book meetings anytime something comes up. New job offer? Book a meeting. Selling Business? Book a meeting. Might finally buy a house, maybe invest in another property? Book a meeting. Social Security & Medicare Options? Book a meeting. Got a bonus? Book a meeting. Etc.
We are here to help as life changes.
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One of the quarterly meetings, based on when you get bonuses and salary increases, is the annual review. We get a new plan for the year, see how net worth has changed, look at key metrics, key wins of the year, celebrate milestones, etc.
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This is our most important step. How do we do this? By exceeding your expectations at every step and delivering value at all times! Ideally, we are working on an ongoing relationship...but if you are simply looking for a shorter-term engagement, we do that too! The most optimal working relationship we have with our clients is when I am able to provide you with substantial value but also to ensure that the financial gains and ongoing confidence exceeds the cost of our services. In short, if I can't give you more value than the fee you pay...we don't work together.
Alright -- so, that was a lot to cover! Thank you again for your consideration, and please reach out if you have any further questions.
Need help deciding which structure fits your lifestyle best?
Sometimes it helps to put yourself in someone else’s shoes for perspective when deciding. Scroll through the scenarios below to see which sounds familiar to you.
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Meet Sara (29)
Financial Data:
$215,000 wages/salary
$35,000 RSU and additional stock grantsNet Worth = $876,000
Projected Fee to Expect: $250 / hourly consultations. 7 hours during the first two meetings and then 2-3 hours periodically.
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Background: Sara is a tech-savvy professional working at a high-paying job in the tech sector. She is ambitious and has a significant amount of disposable income. She’s interested in building wealth and securing her financial future. Very interested in saving over 50% of her income and living well below her means for a few years to achieve a fast track to financial independence. Have maxed out 401k, HSA, and Roth IRA for years (until hit income threshold)
Financial Goals: Sara wants to invest wisely to maximize her wealth, save for retirement, and potentially buy a home in the future. She’s also interested in tax-efficient investment strategies. Looking to start a family within the next 3-5 years and how that could potentially have a need to readjust her plan.
Challenges: Sara is relatively new to investing and financial planning. She’s looking for guidance on creating a diversified investment portfolio and optimizing her tax situation. She reads a lot and has followed a lot of advice from multiple blogs and podcasts, but never without concrete planning.
What They Need: One time project to ensure she is currently on track with her plans to retire early and check-ins a few times a year to ensure that they are still on the right track.
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Meet Matt (39) and Stephanie (41), and their 2 daughters Amber (5) and Rose (3)
Financial Data:
$260,000 wages/salary
$70,000 S Corp Distribution
$15,000 Rental IncomeNet Worth = $1.4 million
Projected Fee to Expect: $480 / Month Ongoing Retainer
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Background: Matt is a small business owner running a successful family-owned restaurant. He's passionate about his business but hasn't had much time to focus on his personal finances or spend additional time with his family. He's looking for ways to secure his financial future while growing his business to finally allow him time to be able to step back and travel with his family.
Financial Goals: Matt wants to create a retirement plan for his family, set up a succession plan for his business, and optimize his personal and business finances for tax efficiency. Looking to receive more personalized advice and potential tax strategies that may be able to lower tax liabilities. Optimize college/future funding for their girls.
Challenges: Matt needs guidance on how to balance his personal financial goals with the needs of his business. He's also interested in exploring investment opportunities outside of his business. He needs a planner who can hold him accountable and be blunt about what he needs to do to live within his means and plan for an optimal outcome.
What They Need: Communication is key, especially in a straightforward manner without a lot of "fluff". They want to learn along and want a teacher at heart. Want to be able to call with questions or concerns and also be able to reach us. Takes time to understand us/our goals. Tailors a digestible financial plan we can implement on our own. Periodic check-ins.
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Meet Tom (60) and Lisa (58)
Financial Data:
$191,000 wages/salary
$15,000 trust income
Expecting inheritance of $200,000 next yearNet Worth = $1.15 million
Projected Fee to Expect: $3,600 one-time fee (broken up into two payments, half upfront and the other half after engagement).
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Background: Tom and Lisa are a married couple approaching retirement. They have a comfortable nest egg saved up but are concerned about managing their finances in retirement, ensuring they don't outlive their savings, and passing on assets to their children.
Financial Goals: They want to create a sustainable retirement income stream, minimize taxes in retirement, and develop an estate plan for their children's inheritance. They want to retire in six years and would like to be sure we're able to do so. Looking for general advice on taxes, insurance or other financial planning at this stage in their lives.
Challenges: Tom and Lisa are worried about making the right decisions for their retirement, such as when to start taking Social Security benefits and how to structure their investments for income and growth during retirement. They are concerned their assets may not be appropriately allocated to prepare for retirement.
What They Need: Knowledgeable, trustworthy, experienced planner. Ideally, a good relationship would occur once we take the time to truly understand their financial circumstances and goals and can customize a plan or advice for them. Someone they can call on for advice but also someone who brings ideas when appropriate for their situation.
