Financial Planning Services
Let’s get you on track for your best financial life
Ways To Work Together
Comprehensive Financial Plan
Let’s figure out where you are, what you want your future to look like, and create a financial plan to bridge that gap. Together, we’ll make sure you’re on track to reach your goals, protect what’s important to you, and ensure that your money is working for you.
Ongoing Financial Plan Support
Once you’ve completed a financial plan, ongoing support offers annual check-ins and email support. Life happens and investments need rebalancing - I’m here to help adjust!
Financial Check-In Session
Need something specific? Have a question you need answered? Let’s talk through your options in a single-session.
Comprehensive Financial Plan
Let’s do a full review of your finances to make sure you’re on track for your future plans and using your money wisely in the present.
We’ll discuss retirement goals that make sense for you, then work backward to figure out what you need to do today to reach them. We’ll strategize on your investments, as well as your savings for short and medium-term goals like vacations, a down payment, or college savings. We’ll also optimize your day-to-day finances, like your monthly spending, loan/debt payments, and choosing the best employee benefits for you.
Comprehensive financial plans are advice-only - I’ll give you individualized advice on how and what to invest, and directions on how to do so. I don’t manage investments, rather, I’ll empower you to do it yourself in the most straightforward way possible.
What you’ll get
Three meetings: Two meetings to create your financial plan + one meeting to check in on your implementation
Detailed financial plan that outlines the path towards achieving your financial goals
Investment advice for you to confidently implement and manage on your own
Pricing: $2,000-$3,000 for singles, $3,000-$4,500 for couples (based on complexity)
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Financial Planning Topics
Retirement Planning
Ensuring you’re on track for a comfortable retirement on your terms. We’ll set retirement goals, then ensure you’re saving enough, in the most efficient accounts, and taking advantage of your employer benefits/pension.
Tax Planning
The less money you pay in taxes, the more you have to devote toward your goals. We’ll utilize strategies to reduce your annual + lifetime tax burden.
Cash Flow / Budgeting
We’ll analyze where your money is going every month, and make sure your spending is aligned with your values + priorities.
Investment Advice
Ensuring your money is working hard for you. My investment strategy prioritizes diversification and appropriate risk-tolerance, in tax-efficient, low-cost accounts and funds. No complicated, high-fee funds here!
Employee Benefit Planning
Have an HSA/FSA? Commuter benefits? Employer retirement match? We’ll ensure you’re making the most of your benefit options.
Risk Management
Protecting you and your loved ones for whatever comes your way. We’ll get you covered with the right insurance and an estate plan, and ensure you have an appropriate emergency fund.
Medium-Term Goals
Saving for down payment, a wedding, your child’s education, or another goal? We’ll make sure you’re on track + saving in the right places.
Student Loan Planning
Student loans repayment plans are complex! We’ll structure a plan to minimize your monthly and/or overall student loan costs.
Financial Plan Process
Introduction + Goal Setting
In our kick off meeting, we’ll review how your financial situation looks today, define your goals for the future, and discuss next steps in the process.
Cash Flow + Budgeting
In meeting two, we’ll use Monarch Money, to determine exactly how much money comes in and goes out each month. For most folks, it’s enlightening to know where your money goes each month! It allows us to better plan for retirement and medium-term goals.
Retirement Planning
After reviewing your current monthly cash flow, we’ll work on planning for retirement income. Our goal is to determine how much you’ll need in retirement to be comfortable, and make sure you have enough from your pension, Social Security, and investments to cover you.
Investment Planning
If you have taxable investments, we will devote a session to reviewing fund allocations, investment fees, and tax considerations. You’ll get customized advice and support on any adjustments to make.
Financial Check-In
Need something specific? Have a question you need answered? Let’s meet for a 50 minute Zoom session to talk through your situation, run some numbers together, and discuss options for you.
Examples of what we can cover in a Financial Check-In Session:
You’re considering making a career or school district change, and want to know how it will impact your retirement finances.
You’re looking for help setting up a new account or completing a rollover.
You’re an early-to-mid career educator looking to set up your first retirement account.
You’re planning for/expecting a baby, and want to discuss your parental leave options
You want to make sure you’re in the best student loan repayment plan for you (AKA qualifies for PSLF, offers the lowest monthly payment, etc.).
Great for you if:
A Financial Check-In Session is a good fit if you don’t need a full financial plan at the moment, but have a single financial concern you’d like to discuss.
Often, this includes folks who are considering a job/career change and want to know how this impacts their retirement finances, an educator who is planning for parental leave, or someone who wants a student loan consultation, etc.
Pricing: $500
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Frequently Asked Questions
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Most of my clients are educators or former educators, but I regularly work with families where a spouse/partner works in another industry.
I have particular expertise in working with folks who have a pension or 403(b)/TDA as part of their employer benefits, but many of my clients come to me with 401(k)s as well. I am always happy to discuss fit in a consultation call!
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I am a fiduciary, fee-only financial planner - my services are advice-only and I charge based on a flat-fee. I am ethically and legally obligated to work in your best interest. All payments come directly from clients - I don’t sell insurance products, earn commissions, or get referral bonuses for making recommendations. I do not receive commissions for any investments or financial products.
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Yes, I provide high-level tax advice. I consider your tax rate and tax liability when creating financial plans, but specific tax advice should be discussed with a tax expert. I can provide referrals to tax professionals, but many of my clients are well-served by typical tax prep software.
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I am an advice-only financial planner - I don’t manage assets, but I will help and advise you in managing them yourself. I will provide advice on a recommended asset allocation given your goals and financial situation, and I will make it very straightforward so you can manage your portfolio independently. I’m happy to help if you get stuck but I don’t log into your accounts or place trades on your behalf.
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I generally believe in well-diversified, low-cost investments that give you exposure to US and global markets, and appropriately balance risk with stocks and bonds. I take a passive investing approach, by determining an appropriate asset allocation strategy and sticking with it over the long-term, versus picking stocks and buying and selling.
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Insurance planning is an important part of the financial planning process! I will recommend coverage based on your needs, but I refer policy purchases out to an insurance broker I recommend. This is so that I can give you unbiased insurance advice.
It’s time to feel confident about your financial future
Let’s work together to find out what’s possible for you!