Financial Planning Services

Let’s get you on track for your best financial life

Ways To Work Together

Comprehensive Financial Planning

Comprehensive financial planning covers all areas of your financial life on an ongoing basis. Over a series of meetings, we’ll get your entire financial house organized and optimized, then I’ll continue to support you in implementing advice and adapting to any changes that come your way.

One-Time Financial Plan

One-time financial plans serve as a check-up on your top 3-5 financial topics. We’ll meet 3 times and you’ll receive a financial plan document with personalized recommendations to implement on your own. Great for financial DIY-ers!

Financial Check-In Session

Need something specific? Have a question you need answered with financial expertise? Let’s talk through your options in a single, hour-long session.

Comprehensive Financial Planning

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 planning is best for folks who want ongoing support with their finances and investments. We’ll tackle each area of your financial life, one meeting at a time. I’ll help you with buying and selling any investments, talk you through insurance policy options, and anything else you need. Together, we’ll make sure everything gets done and adapts as your life changes.

What you’ll get

  • Meetings at your pace: We’ll spend the first 6+ months tackling one financial topic per meeting, making sure everything is taken care of and that you feel confident in your finances as we move forward!

  • Investment advice: Based on your goals and circumstances, I’ll provide investment advice thats that’s customized to you. I’ll help you implement and manage your investments as we work together.

  • Implementation support: Need help rolling over accounts? Want to screenshare together while rebalancing your investments? Newly pregnant and want advice on parental leave options? I’ll be here to support you!

Pricing:
Singles: $200-$300/month with $750 initial planning fee

Couples: $250-$400/month with $1250 initial planning fee

Comprehensive Financial Planning Process

Consultation Call

We’ll meet informally to discuss your questions + goals, and if financial planning could help. If you’re ready to commit to financial planning, I’ll send the contract after we meet.

Introduction +
Goal Setting

In our kick off meeting, we’ll review how your financial situation looks today, define your goals for the future, review any immediate issues or decisions, and discuss next steps in the process.

Planning Meetings

We’ll meet monthly to cover one topic at a time. We’ll have dedicated meetings to review your cash flow, create your retirement plan, review your investments, plan for your medium-term goals, and analyze your insurance and estate planning needs. This will take about 6 months.

Ongoing Support

After we have finished our planning meetings, we’ll continue with ongoing financial planning. Ongoing support provides accountability, adaptability as life changes, and regular maintenance for investment rebalancing, tax planning, etc. I will always be here for help whenever something comes up!

One-Time
Financial Plan

Just want to make sure you’re on track for your financial goals and doing the “right” things with your money?

One-time financial plans are a great financial “check up” for people who feel confident managing their finances on their own.

We’ll create a plan that makes sure you’re on track for retirement, reviews your investments (and fees!), creates a plan to reach your short and medium-term goals, and makes sure you’re taking advantage of your employer benefits. We can also cover other topics as needed.

One-time financial plans are advice-only for your investments - 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-$4,000

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 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 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

Frequently Asked Questions

  • 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!

  • 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.

  • 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.

  • 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.

  • 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.

  • 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!