You’ve worked hard for your money. Let’s make sure it’s working hard for you.
As your career has grown, so have the complexities of managing your finances. The options can feel overwhelming, making it hard to know what to do and who you can trust for guidance. I offer clear, personalized advice to help you navigate life decisions with confidence. Whether you’re looking for a one-time engagement or ongoing support, my fee-only financial planning services are designed to fit your unique needs.
Imagine having the peace of mind to live the life you’ve worked so hard to build.
Financial Planning Process
Every client’s journey begins with a free, 30-minute intro call where we discuss your goals, priorities, and the complexities of your financial situation. Whether you’re seeking a one-time plan to address immediate needs or an ongoing partnership to guide your long-term goals, this call will help determine the best approach for your unique circumstances.
One-Time Clients
Following the intro call, one-time clients will receive a proposal for how we’ll work together, which will specify the meeting structure, topic areas, and the deliverables I’ll be providing based on your needs and goals.
Ongoing Clients
For ongoing clients, I offer a 6-step process (outlined below) designed to provide comprehensive financial guidance across key areas, including cashflow planning, real estate analysis, employee benefit review and selection, investment management, tax strategies, career decisioning, retirement planning, and insurance and estate planning. This approach helps ensure your finances are thoughtfully aligned with your personal goals. The initial planning process typically takes 4-6 months, with ongoing support afterward.
The “Hi, Nice to Meet You” Call
(Intro Call)
All client relationships begin with a free 30-minute intro call to allow me to learn more about your goals and needs, and for you to get a better idea of how I work with clients.
The “Not Fun, But Necessary” Pre-Work
(Getting Organized)
Once we decide to work together, the next step will be aggregating all of your financial information so we have a clear idea of your starting point.
The “Oh, the Places You’ll Go” Meeting
(Goals & Strategy Meeting)
In this meeting, we’ll review your current financial situation, desired goals, and how different possible future scenarios may impact your plan (such as whether or not you buy a home) in order to develop a list of key priorities to focus on. Following the meeting, I will put together a financial plan for your review that reflects the key goals you’ve identified.
The “Where the Money Should Go” Meeting
(Plan Review & Action Meeting)
We’ll review final recommendations for allocating existing and ongoing savings, in a tax-efficient manner, that aligns with your goals. This could involve moving funds to different accounts, paying down debt, opening new investment accounts, and other strategic actions. We’ll also outline next steps and begin implementing these action items together.
The “How to Grow Your Money” Meeting
(Investment Planning Meeting)
We’ll discuss your investment portfolio, including company stock, and proposed actions to align your investments with your goals and risk tolerance.
The “Protecting Your Money from Bad Things” Meeting
(Insurance & Estate Planning Meeting)
We’ll focus on the insurance and estate planning tools that may be needed or adjusted. We will review insurance analyses, and discuss next steps for taking action.
Ongoing Support
After the initial planning process, ongoing clients receive comprehensive support, including in the form of:
Strategy Meetings (2x/year): We’ll meet twice a year for a top-to-bottom review of your financial goals, anticipated changes (such as job transitions or lifestyle adjustments), and investment portfolio performance, making tweaks as needed to stay on track.
Investment Management: I’ll continually monitor and manage your investment portfolio to keep it aligned with your goals and rebalance it as needed. These services include developing and executing strategies for restricted stock units and employee stock purchase plans as part of your broader, long-term investment strategy.
Tax Planning: I’ll conduct an annual review of your tax returns to identify potential savings, recommend adjustments to paycheck deductions, and support year-end tax planning strategies, such as Roth conversions, education funding, and charitable giving. To simplify tax season, I’ll provide a summary of expected tax forms for you or your accountant.
On-Demand Support and Proactive Check-Ins (as needed): In addition to scheduled meetings, I’ll reach out with relevant updates or opportunities as they arise. You’ll also have access to additional meetings and email support whenever life changes occur—such as job changes, salary adjustments, or home purchases.
Integrated Professional Support: I work closely with your existing service providers, such as your accountant and estate planning attorney, to ensure we are all developing strategies for you in a coordinated manner that aligns with your goals. As needed, I’ll also connect you with other trusted professionals to support the implementation of your plan.
Client Portal: You’ll have secure online access to your accounts, documents, and updates, making it easy to stay informed and review your financial plan anytime.
What It Costs
Ongoing Clients
Who It’s For:
For clients seeking a dedicated partner to simplify complexity, optimize for tax efficiency, guide long-term goals, and ensure strategies are executed to achieve their objectives.
What’s Included:
Comprehensive financial review & analysis
Actionable recommendations
Ongoing reviews and updates to strategy
Investment management
Proactive tax planning
On-demand support and proactive check-ins
Collaboration with other service providers
What It Costs:
Annual fees for ongoing financial planning services (including investment management) start at:
$6,000 for Individuals
$8,000 for Couples
$10,000 for Small Business Owners
Your exact fee will be determined after the intro call and will be based on your goals and needs, the complexity of your financial situation, and the estimated time and resources required to support your situation.
One-Time Clients
Who It’s For:
For clients looking for a “snapshot” of their financial situation to address immediate concerns or decisions, with recommendations they execute on their own.
What’s Included:
Comprehensive financial review & analysis
Actionable recommendations
Ongoing reviews and updates to strategy
Investment management
Proactive tax planning
On-demand support and proactive check-ins
Collaboration with other service providers
What It Costs:
One-time planning fees start at $3,000 and are customized based on your unique needs.
For clients looking to address one or two specific topics, fees may be closer to $3,000. However, if you're seeking a full financial plan similar to the comprehensive onboarding process for ongoing clients, the fee will likely exceed the annual cost quoted for ongoing support.
Frequently Asked Questions
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Most of my clients are professionals in their 30s and 40s who are navigating life decisions like buying a home, changing careers, and saving for retirement.
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I focus on aligning what you invest in, with what you’re investing for (your goals). I primarily use a passive investment strategy via index mutual funds or exchange traded funds to help you reach your goals, while aiming to keep costs low and minimize taxes.
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Yes! I serve clients nationwide through virtual meetings. I also make an effort to meet clients in person if I’m in their city or if they visit the DC area.
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No, I don’t have minimum requirements. My fees are based on the complexity of your situation, not assets under management, making my services more accessible. I’ll help you determine if my fee structure makes sense for you.