Planning & Consulting
Practical, Modular Planning
Planning is flexible and focused. We work on the questions that matter most to you and build clear next steps you can use right away. Some households need clarity on one topic; others combine several into a broader project. Fees vary based on scope and complexity.
How Planning Works
- Discovery Meeting (no cost): We talk through your goals and decide whether planning makes sense.
- Scope & Fee Alignment: We outline the modules or project work that fit your situation and confirm the fee.
- Planning & Recommendations: We work through your questions using a visual, scenario-driven approach, including tax-aware insights when appropriate.
- Implementation Support (optional): You can implement on your own or with guidance. Planning is always a separate engagement from advisory.
Planning Options
MODULAR PLANNING (MP)
Fee: $600–$750
Best for: A single, focused planning question that needs clarity and direction.
What this engagement includes:
- One clearly defined planning topic
- A focused review of the relevant accounts, documents, or decisions
- A clear recommendation and the next steps you can implement at your own pace
- One meeting plus written follow‑up
Examples of Modular Planning topics:
- “Should we refinance or keep our current mortgage?”
- “Which pension option should I choose?”
- “How should we prioritize 403(b) vs. Roth IRA contributions?”
- “Do we have the right amount of life insurance?”
- “Should we consolidate old retirement accounts?”
Who this is for: Households who have one specific question and want a clear, actionable answer without a broader planning engagement.
PROJECT‑BASED PLANNING (PBP)
Fee Range: $750–$1,500
Best for: Households who want to work through several related planning topics in a coordinated sequence.
What this engagement includes:
- A structured, multi‑topic planning project
- Review and organization of the relevant accounts and decisions
- Prioritization of the topics we’ll address together
- A coordinated set of recommendations and next steps
- One or two meetings, depending on scope
- Written summary and action plan
Examples of PBP projects:
- College planning + cash‑flow alignment + investment allocation review
- Retirement readiness check + Social Security timing + pension analysis
- Insurance review + beneficiary cleanup + emergency fund planning
- Debt payoff strategy + savings automation + account alignment
- Multi‑account investment review + risk alignment + contribution strategy
Who this is for: Households who want more than one topic addressed, but don’t need a full comprehensive plan.
COMPREHENSIVE PLANNING (CP)
Flat Fee: $3,000
Best for: Households who want a full‑picture, coordinated plan across all major areas of their financial life.
What this engagement includes:
- A complete review of your financial picture
- Organization of accounts, goals, and priorities
- A coordinated plan across multiple planning areas
- Clear sequencing of what to do now, next, and later
- One comprehensive plan meeting plus follow‑up
- Written plan and action roadmap
Examples of CP planning areas:
- Retirement planning, income planning, and long‑term projections
- College planning and education funding strategy
- Investment allocation and account alignment
- Insurance review (life, disability, long‑term care)
- Cash‑flow planning and savings structure
- Tax‑aware planning considerations
- Estate basics: beneficiaries, titling, and key documents
- Goal prioritization and long‑term planning structure
Who this is for: Households who want everything organized, clearly prioritized, and aligned toward long‑term goals.
Hourly Consulting
For targeted questions or one-time guidance. $300 per hour (one-hour minimum)
What You Can Expect
- Clear explanations
- Practical recommendations
- Visual, scenario-driven planning
- Taxaware insights when appropriate
- Clear, practical guidance with no jargon, no product sales, and no pressure
Planning is designed to give you clarity and confidence — whether you implement on your own or choose to work together further.
Ongoing Planning Support (Optional)
After your initial plan is completed, you’ll have the option to continue with an Annual Planning Engagement — a simple way to keep your plan up-to-date each year based on the scope we originally built together.
Getting Started
The first step is a brief conversation to outline your goals and confirm the scope and fee for your planning engagement.