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"An idiot with a plan can beat a genius without a plan." Warren Buffet

Our Financial Planning Process

Our financial planning process will take into account your current income and savings, your debt, your financial liabilities and responsibilities, and ultimately your financial goals for the next 5, 10, 20, and even 50 years. Then we start putting together a roadmap of real, practical, and simple steps that can help make your plan, goals, and dreams a reality. There is nothing you can dream up that we can't plan for!

Because we didn’t want a “one size fits all” approach or to bill you by the hour so that you’re worried about the clock always running, we have three service levels to choose from, as well as a few stand-alone and add-on services. Most of our clients start with one of our financial planning packages. At your initial consultation, we will work together to determine which is the best for you, depending on what your desired outcome is and how we feel we can help.

Our Financial Planning Services do not include investment management. We can help you create your financial plan, even if we don’t manage your investments. But if you’d like us to do that for you as a Fiduciary, we’re glad to help.  Our Asset Management and Advisory Fees start at 1.35% of the assets we manage and can be reduced depending on how much money we invest for you.

Our hourly fee is designed to cover meaningful and substantive work, ensuring that you get the focused attention you need for substantial progress, rather than charging for every phone call, text, or email exchange.

It’s up to you how we move forward. Regardless, you’ll walk away with a plan and structure to help propel you toward your financial goals.

Financial Planning Packages

Let's Get Started!

Foundational Planning

If you're just getting started and feeling a bit unsure about where to begin or what steps to take first, our Foundational Planning package is designed for you. We'll help you build that essential starting point, setting you on the right path for a secure financial future.


Financial Planning

Foundational Financial Plan

Financial Education

Financial Organization

Document vault access

Personal financial website & dashboard

Foundational Analysis & Recommendations

Foundation Asset Planning

Cash Flow Projections

Basic Will/Estate Review

Beneficairy Review

Mortgage Review and/or Purchase Analysis

Debt Payoff Strategies

Basic Budgeting

Education Planning

Next steps action plan


Investment Advisory

Baseline investment plan

Investment objective letter

Personal financial website / progress dashboard

Goal progress review

Risk tolerance review

Asset allocation analysis

Due dilligance in investment performance review

Household performance review


Investment plan briefing:

401k/403b/457/IRA review, allocation & recommendations

Custodial account review


Risk Management

Life Insurance Review

Health Insurance Review

P&C Review (home & auto)


Tax Planning & Advisory

Tax Recommendations


Meetings: Annual

Fee starts at $1500, with $250 annual check up

Comprehensive Planning

Already on a solid financial foundation? Whether you're earning well, managing a small and growing business, or navigating significant life changes, our Comprehensive Planning package provides a deeper look and a fresh, customized plan to ensure you're making the most of your current situation and preparing for the future.


Financial Planning

Advanced Financial Plan

Advanced Financial Knowledge

Gap Assessment

Financial Organization

Document vault access

Personal financial website & dashboard

Advanced Analysis and Recommendations

Advanced Asset Planning

Cash Flow Projections

Will/Estate Review

Beneficairy Review

Mortgage Review and/or Purchase Analysis

Debt Payoff Strategies

Budgeting

Education Planning

Net Worth Calculation/evaluation

Social Security Planning

Retirment Income Planning

RMD Calculations

Life Scenario Projection

 Planning follow-up / Next Steps Implementation


Investment Advisory

Comprehensive Investment Plan

Investment objective letter

Personal financial website / progress dashboard

Investment Review meetings

Goal progress review

Risk tolerance review

Asset Allocation Analysis

Due dilligance in investment performance review

Household performance review


Investment plan briefing:

401k/403b/457/IRA review, allocation & recommendations

Custodial account review


Risk Management

Life Insurance Review

Health Insurance Review

Disability Insurance Review

Long Term Disability / Long term Care Insurance Review

P&C Review (home & auto)

Umbrella Insurance Review

 

Tax Planning & Advisory

Tax Recommendations

Coordinate with CPA / EA / Attorney

Legislative / Tax Law Updates

 

Meetings: Semi Annual

Fee starts at $1800, with $250 annual check up

Advanced Wealth Planning

Approaching retirement or finding yourself at a pivotal financial moment? Our Advanced Wealth Planning package is tailored for those who want to ensure they haven't missed any crucial aspects. Whether you've inherited money, received a settlement, or need to integrate your business into your financial plan, we've got the expertise to guide you through this advanced stage of financial planning.


Financial Planning

Advanced Financial Plan

Advanced Financial Knowledge

Gap Assessment

Financial Organization

Document vault access

Personal financial website & dashboard

Advanced Analysis and Recommendations

Advanced Asset Planning

Cash Flow Projections

Will/Estate Review

Beneficairy Review

Mortgage Review and/or Downsizing Analysis

Debt Payoff Strategies

Budgeting

Education Planning

Net Worth Calculation/evaluation

Social Security Planning

Retirment Income Planning

RMD Calculations

Life Scenario Projection

Lifestyle expense backtesting

Legacy Planning & Charitable Giving Strategies

RMD Income Strategies

Planning follow-up / Next Steps Implementation


Investment Advisory

Comprehensive Investment Plan

Investment objective letter

Personal financial website / progress dashboard

Investment Review meetings

Goal progress review

Risk tolerance review

Asset Allocation Analysis

Due dilligance in investment performance review

Household performance review


Investment plan briefing:

401k/403b/457/IRA review, allocation & recommendations

Custodial account review

RMD Calculations


Risk Management

Life Insurance Review

Health Insurance Review

Disability Insurance Review

Long Term Disability / Long term Care Insurance Review

P&C Review (home & auto)

Umbrella Insurance Review

 

Tax Planning & Advisory

Tax Recommendations

Coordinate with CPA / EA / Attorney

Legislative / Tax Law Updates

Annual Tax Preparation

Mid-Year Tax Review

Year-End Tax Planning Contact

 

Meetings: Quarterly

Fee starts at $2500, with $500 annual check up

A La Carte

Build Your Own Plan

While many clients choose from one of our planning packages, we recognize that you may desire more customized support. We are pleased to offer a la carte planning services depending on your situation and needs. Feel free to choose from the topic and areas listed in the packages above or choose your own focus area. Hours will be estimated and proposed on a project-by-project basis.

Our hourly fee is designed to cover meaningful and substantive work, ensuring that you get the focused attention you need for substantial progress, rather than charging for every phone call, text, or email exchange.

a la carte: Hourly Fee of $250.00

* Financial Planning Fee Discount with AUM Advisory Engagement

** Tax Preparation includes one Federal and one State return

DREAM. GOAL. PLAN. ACTION. REALITY.