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.
Our Process
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.
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, hands-off 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 (see ‘our 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