Financial Planning
A written plan that connects income, investments, taxes and goals
Financial planning is the work of connecting the pieces: what you earn, what you own, what you owe, what you want, and the taxes that sit between each of them. Most people have the pieces. Few have them working together.
We offer planning on its own, for a flat or hourly fee, and as part of an ongoing advisory relationship. Either way the output is the same: a written plan in plain language, with the decisions ranked and the first moves spelled out.
What the plan covers
Where the money goes, and where it should
Savings rate, the order of accounts to fund (match, HSA, backdoor Roth, after-tax 401(k), taxable), and an emergency reserve sized to your job risk, not a rule of thumb.
RSUs, ESPPs and options
A selling policy, a withholding fix, a concentration ceiling and a calendar of vests and windows, integrated with the rest of the plan rather than bolted on.
This year and the next twenty
Bracket management, Roth conversions, charitable giving that is actually deductible, and coordination with your CPA so the return reflects the plan.
When, how much, from where
Retirement date range, spending target, drawdown order, Social Security timing and a stress test against the scenarios that could derail it.
Insurance and estate basics
The right amount of term life and disability coverage, umbrella liability, and the wills, trusts and beneficiary designations that make sure the plan survives you. We don’t sell insurance; we tell you what to buy.
Divorce, inheritance, a sale, a move
Rebuilding a plan under pressure is a large part of what we do. Dividing accounts, re-titling assets, and resetting goals with a clear head.
Seven calculators to start with
Mega backdoor Roth room, RSU withholding, Roth conversions, ESPP, backdoor Roth IRA, concentrated stock and solo 401(k) vs SEP. Run your own numbers before we talk.
How a planning engagement works
One meeting on goals and concerns, one on the numbers. We collect statements, pay stubs, grant summaries and last year’s return through a secure portal.
We build the model, test the scenarios and rank the decisions by dollars at stake. This is where most of the work happens.
A written plan and a walk-through meeting. You leave with a one-page action list, in order, with who does what.
A check-in after ninety days to confirm the moves were made. Ongoing clients then fold the plan into the annual review cycle.
Fees
Stand-alone planning is a flat fee agreed in writing before we start, based on the complexity of your situation, or an hourly rate for a narrow question. Ongoing advisory clients pay an annual asset-based fee that includes planning. Every fee is disclosed up front, and the full schedule is in our Form ADV Part 2A.
Have a decision you’d like a second set of eyes on?
The first conversation is free. Tell us what you are trying to decide and we’ll tell you whether a full plan or a narrower engagement makes more sense.
Schedule a Call