ONGOING FINANCIAL PLANNING
Investing In Yourself
Financial planning is more important than ever before. Our generation faces challenges like expensive housing, complex employer benefits, student loans, and more. There are also numerous opportunities, such as job changes, relocations, and growing a family as a dual-career couple. We understand these dynamics!
Financial planning is a process, evolving with changes in your life and the world around you. Reflect on all the changes you’ve experienced over the past 5 or 10 years. Your life probably looks different than it did then. While a financial plan (in itself) is essential, it can’t account for all the unknowns in the future – nothing can! And it can’t address your biases and habits with money. This is why ongoing collaboration is so valuable. Take your finances to the next level through proactive planning.
The Time To Start Is Now
You'll face some of the most important financial decisions in your 30s and 40s. Starting today gives you more flexibility for the future.
Retirement Isn't The Only Goal To Plan For
Don't wait until retirement to live a life you love. Life is short. Live with purpose and take charge of your money.
Money Is Simply A Tool. Let's Use It Well.
You can greatly impact your world and the lives around you with intentional planning.
Investing In Yourself
Financial planning is more important than ever before. Our generation faces challenges like expensive housing, complex employer benefits, student loans, and more. There are also numerous opportunities, such as job changes, relocations, and growing a family as a dual-career couple. We understand these dynamics!
Financial planning is a process, evolving with changes in your life and the world around you. Reflect on all the changes you’ve experienced over the past 5 or 10 years. Your life probably looks different than it did then. While a financial plan (in itself) is essential, it can’t account for all the unknowns in the future – nothing can! And it can’t address your biases and habits with money. This is why ongoing collaboration is so valuable. Take your finances to the next level through proactive planning.
The Time To Start Is Now
You'll face some of the most important financial decisions in your 30s and 40s. Starting today gives you more flexibility for the future.
Retirement Isn't The Only Goal To Plan For
Don't wait until retirement to live a life you love. Life is short. Live with purpose and take charge of your money.
Money Is Simply A Tool. Let's Use It Well.
You can greatly impact your world and the lives around you with intentional planning.
What to Expect
We're Here For You
- 3-5 meetings to get started
- 2-3 meetings every year
- Additional meetings when needed, because life happens!
- Ongoing support by text, email, or phone.
- Ongoing investment management
- We don't "present" a financial plan to you and we don't give one-size-fits-all advice. We collaborate with you and customize our advice for your situation and values.
Modern & Seamless
- Virtual meetings. Ditch the commute! We know you're busy.
- Options for evening meeting times. No need to miss work for us!
- Personalized scheduling link to book meetings easily and quickly.
- We're a paperless office with digital worksheets and e-signatures.
- Our software sends you reminders for action items, to help reduce your mental load.
An Experience You Can Count On
- Direct access to Hannah. You won't be passed along to an associate and we won't need to look you up to know who you are. You're not just a number to us - you matter!
- Work with an experienced and credentialed professional who puts your interests first 100% of the time.
- Objective advice without judgement
- We update your financial plan regularly so that it reflects the most up-to-date information.
- Coordination with outside professionals, like CPAs, attorneys, insurance agents, and mortgage brokers.
Working Together
When you first reach out, we’ll have two conversations to get to know each other and determine if we’re the right fit. After you onboard as a client, this is the meeting process we’ll follow. From the start, we dedicate time to establish what you want your life to look like and how to get you there. As time passes, we continue to review where you are, how far you’ve come, and the next steps needed for where you want to be.
What We Cover
Your money and your life are closely connected, so it’s impossible to capture everything below. Whether listed or not, we guide you through all the life transitions you’ll face. Here are some of the things we can address and monitor over time.
Life Planning
Plan your vision, modify as you change, and live out your purpose. Utilize money to best support your present and future life.
Adoption or Fertility Planning
Understand all the options. Learn about tax benefits and how to best fund these costs.
Buying a Home
Understand how much house you can afford and move forward with a home that fits your goals.
Career Decisions
Navigate new opportunities, life as a dual-career couple, sabbaticals, career transitions, and more.
Financial Independence
Plan for work optionality and a flexible future by saving the right amount.
Cash Flow
Get organized with your spending and align it with your values. Prioritize all the competing demands for your money.
Tax Planning
Avoid tax bombs and utilize strategies to reduce taxes over your lifetime.
Investments
Execute a diversified, tax efficient strategy with an appropriate amount of risk. Coordinate with all accounts, like 401ks and HSAs.
Charitable Giving
Give to causes you care about in the most advantageous way.
Student Loans & Other Debt
Explore all the options for payoff and move forward with the best strategy.
Equity Comp & Deferred Comp
Make the best decisions for your RSUs, stock options, ESPP, and more.
Small Business
Plan for starting a business or side-gig. Navigate the tax implications and savings opportunities.
College Planning
Plan for your children's education, or grad school for yourself. Understand available tax benefits.
Estate Planning
Maintain an updated plan for your loved ones in case of worst-case scenarios.
Insurance
Maintain the right amount of coverage to protect your family, without paying too much.
Employee Benefits
Optimize benefits each year for changes in life. Coordinate between spouses.
We connect all the pieces into one cohesive plan that supports your life.
We connect all the pieces into one cohesive plan that supports your life.
How Much Does It Cost?
A fixed price that includes both financial planning and investment management. It’s transparent and straightforward, because you shouldn’t need to perform multiple calculations to know what you’re paying.
The price is based on complexity and we’ll provide an amount based on your needs and circumstances during our consultation. Examples of added complexity include stock options and RSUs, owning a small business, investing in real estate properties, and additional tax planning associated with higher income or higher net worth families.
Benefit vs. Cost
Is Ongoing Financial Planning Right For You?
You may be wondering if you will benefit enough from ongoing financial planning. In most cases, you will and research backs this up (we explain below). But during the consultation, we will happily point you in another direction if this isn’t the best fit for you. It doesn’t make sense for us to work with someone who won’t fully benefit from working together – it’s not fun for you or us!
What Research Reveals About Financial Planning
Vanguard and Russell (two out of many studies) have both found that the value of a good financial planner can equate to an additional 3% in returns each year. This is NOT saying your returns will be 3% higher than the market, but it’s a way to quantify the long-term value in an easy to understand way. Value can be added through tax savings, mitigating costly mistakes, keeping you on track with savings through life’s changes, ensuring your investments have an appropriate amount of risk, and much more.
Beyond Numbers: The Psychological Benefits
There are other studies which equate financial planning with better mental health because your finances no longer feel like guesswork. And sometimes instead of acting from our values, we act from our emotions. This happens a lot with money which is why an objective outside perspective can be so helpful.
Our Take On The Benefit vs. Cost
Are we biased? Sure, because we see (and hear about) the impact of financial planning in our clients’ lives. In our experience, clients who add intention to their finances by working with us benefit in multiples of the cost.
To learn more about who we work with, click here.
Not quite ready for ongoing financial planning? That’s ok! Check out our one-time service to see if that’s a better fit. We can discuss both options during a free consultation.
