How We Serve
Everything Working Together.
We combine structured planning with ongoing guidance. You receive a clear roadmap, measurable goals, and steady support as your circumstances evolve. Financial decisions are never isolated. They are connected to the bigger picture.
What’s included: Holistic planning and strategies for income, debt management, investments, work benefits, retirement planning, insurance, risk management, taxes, and estate.
A Clear Path Forward.
Our process is designed to bring clarity and structure to each step of your financial journey. From our first conversation to a fully developed plan, we move forward with purpose and intention.
20 Minute Call to see if we would be a good fit and to discuss our planning philosophy.
60 Minute Meeting to focus on your goals, concerns, and current circumstances. We identify how we can best serve your needs.
When you decide to proceed, we will begin our planning process together.
Goals: Collect information needed to start planning.
Sort through and simplify your financial life.
Understand the purpose of each account and how they fit into your plan.
Client walks away with a sense of clarity and organization when they think of their finances.
Goals: Deeper understanding of what is most important to you and what you want to accomplish.
Develop investment strategy based on your unique goals and values.
Identify strengths and weaknesses in your current finances.
Analyze strategies that would have the greatest impact to help you achieve your goals.
Client walks away feeling that their most important values and goals are at the forefront of every decision.
Goals: Work through “what-if” scenarios for all that life can throw at you.
Identify blind spots in your plan.
Create strategies to handle each scenario.
Client walks away feeling confident in dealing with financial emergencies.
Goals: Tie together all the pieces of your financial life into a holistic plan with a sense of purpose that is unique to you.
Collaborate on the most effective ways to reach each goal and create actionable steps to be taken by the client and advisor.
Monitor for changes along the way and make adjustments as necessary.
Client walks away feeling energized and optimistic to have actionable steps to take toward larger goals.
Our Services
Find the Right Fit.
We offer a range of planning options designed to meet you where you are. Each approach provides clear guidance and support, tailored to how involved you want to be.
Overview:
A comprehensive approach that combines ongoing investment management with holistic financial planning. Designed to provide clarity, consistency, and full-service support over time.
Who it’s for:
• Retirees or those close to retirement
• People who want a hands-off approach to investing
What’s Included:
• Holistic financial planning process
• Personalized recommendations and strategy to achieve your goals
• Ongoing investment management in accordance with your plan
• Tax-Loss Harvesting to help reduce your taxable income while staying invested
• Cash flow and budget monitoring
• Access to planning software to help you monitor progress over time
• Unlimited ongoing support
Cost: $7,500 per year
How it’s different: The only plan where we manage your investments and the only plan that offers tax-loss harvesting. Highest level of service.
Overview:
We engage in the entire planning process and offer ongoing support. We provide investment recommendations, and you manage your investments.
Who it’s for:
• Confident investors who want guidance and accountability
• People who have all of their investments in a workplace retirement plan
• Young professionals just starting their career
What’s Included:
• Holistic financial planning process (see ‘our process’)
• Personalized recommendations and strategy to achieve your goals
• Recommended investment portfolio that you can implement yourself
• Cash flow and budget monitoring
• Access to planning software to help you monitor progress over time
• Unlimited ongoing support
Cost: $250 per month
How it’s different: No investment management; does include ongoing support.
Overview:
We use the planning process to create a documented financial plan with a full analysis of your finances and personalized recommendations. The engagement lasts for 1 year, and you implement the recommendations at your own pace.
Who it’s for:
• People who feel comfortable implementing recommendations on their own and do not expect large life changes in the next five years.
What’s Included:
• Holistic financial planning process (see ‘our process’)
• Personalized recommendations and strategy to achieve your goals
• Recommended investment portfolio that you can implement yourself
• Net Worth and Cash Flow statement analysis
• A written plan with analysis of your current situation, recommended strategies, and analysis of the proposed course of action.
• Prioritized task list to implement the plan to achieve your goals
• Additional meetings and support for 1 year from initial agreement
Cost: Variable based on complexity, generally $3,000 to $6,000
How it’s different: Includes a documented plan, support limited to 1 year, no investment management.
Overview:
Targeted 1-2 hour meeting to address a specific topic or isolated financial concern.
Who it’s for:
• People who have one or two pressing financial concerns
What’s Included:
• 1-2 hour meeting with a financial advisor to address your specific questions
• Explanations of any topics you want to understand better
• Follow-up email summary of meeting with specific recommendations and next steps
Types of concerns that can be addressed:
• Setting budget for home purchase or refinance
• Starting a new job
• Budgeting for having a baby
• Retirement savings check-in
• Loss of a loved one
Cost: $275 per hour
Ongoing Planning
Keep Your Plan Moving.
We offer ongoing financial maintenance so we keep you and your goals moving forward throughout the year.
November-December
Year-End Tax Planning
- Tax-Loss Harvesting Opportunities
- Roth Conversions
- Ensure Adequate Withholdings
February-March
Check In
- Review Balance Sheet
- Annual Cash Flow Statements
May-June
Annual Planning Meeting
- Monitor and Update Goals
- Review Tax Returns and Withholding
- Review Investment Strategy
August-September
Check In
- Employee Benefits and Open Season
- Review Beneficiaries and Estate Documents
Unlimited email support and additional meetings on request