Services

How We Can Help

We're here to support you

Being in a healthy relationship takes persistence, energy and effective communication. Managing your personal finances is no different. We offer fee-only, fiduciary comprehensive financial planning for you and your partner no matter where you are located.  No sales, no commissions, no products - just us.
One-Time Financial Plan

Starting at
$3,000 / financial plan

A one-time financial plan is for those who need the expertise, without the commitment. You'll get access to:

  • 2 1-hour meetings with a CFP® professional.
  • Immediate answers to all of your money questions.
  • 30 days of unlimited email correspondence.
  • Created for DIYers.
  • Access to ongoing financial planning if you need additional help implementing our recommendations.
Schedule a Free Consultation
Ongoing Financial Planning

Starting at
$6,000 / year

Ongoing financial planning is for those who want accountability and long-term commitment. You'll get access to:

  • A minimum of 3 1-hour structured meetings per year with 2 CFP® professionals (married).
  • Unlimited virtual meetings, emails, and phone calls as needed.
  • Professional investment management with standard and Environmental, Social, and Governance (ESG) portfolios.
  • 24/7 access to our financial planning technology.
  • Upfront onboarding fee may apply.
Schedule a Free Consultation

How our ongoing financial planning
relationship starts off

Being in a healthy relationship takes persistence, energy and effective communication. Managing your personal finances is no different. Once you commit to us, we’ll take you through a 3-meeting process to determine the best financial path for you. After the 3-meeting process we dive deep into all aspects of your financial plan!
1. Discovery Meeting
 We complete a values exercise around your financial life and lay the foundation to provide the best ongoing recommendations for you
2. Current Reality Meeting
Let's review where you stand today. First, we'll review your balance sheet. Next, we take a deep dive into your household's cash flow movements.   
3. Investment Meeting
Together we assess your current investment position and make recommendations to align your household investment plan towards your financial goals.

Ongoing financial planning
topics of discussion:

Cash Flow

Calculations

  • Calculate your appropriate emergency fund
  • Determine what to do with surplus savings and cash flow

Budgeting

  • Calculate your combined bills and spending budgets
  • Layout who pays for what expense when
  • Assist with combining finances

Investments

Current Investment Review

  • Analyze asset allocation of each partner
  • Determine each partners risk tolerance
  • Review concentrated positions due to company stock compensation

Professionally Managed Investments

  • Access to our investment management platform
  • Create your future allocation for individual and combined investments
  • Implementation of Environment, Social, and Governance [ESG] portfolios

Tax, Insurance and Estate

Tax Analysis

  • Guidance on minimizing overall tax liability
  • Midyear tax projections to see what changes need to be made
  • Implementation of tax strategies [Roth conversions, investment taxation, filling up brackets]

Insurance Review

  • Review each partners employer benefits to create a strategic household plan
  • Assess current life, disability, home, auto, and umbrella insurance policies
  • Discuss protection needs for small business

Estate Planning

  • Provide guidance on attorney referrals
  • Review current estate plan
  • Create proper asset titling and beneficiary designations
  • Digital asset transfer discussions

Retirement and Education Funding

Current Investment Review

  • Analyze current retirement projections
  • Access to our dynamic financial planning tool
  • Discuss appropriate savings strategy

Education Planning

  • Review options for education planning [UTMAs/UGMAs, 529 Plans, and Custodial accounts]
  • Examine current savings rate on its impact on future expenditures 

Start your financial
journey now

Our goal is to help you understand how your asset allocation, tax allocation, and investment selections impact your financial goals. We actively manage our clients' investments. It's time to get serious about your money, together.
Schedule a Free Consultation