Flat-fee financial planning for people building financial freedom.
You've been managing your money carefully for years. Maybe you're starting to dream about what retirement could look like. Or maybe you have a specific exit date planned.
You're looking for an experienced thought partner to identify blind spots, weigh trade-offs, and make sense of the tax questions that have gotten more complicated than you want to handle solo.
You are in the right place if…
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I charge a flat, published fee, so what you pay doesn’t move with the size of your portfolio or the choices you make. That keeps our conversations on your plan, like whether to retire this year or next, or which accounts to draw from first. It also makes the cost easy to budget for and easy to compare.
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I favor low-cost index funds and a short list of accounts you can keep track of yourself. Some complex products do have a place, and when one fits, I’ll walk you through it until it makes sense to you.
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Taxes sit inside nearly every decision an early retiree faces: how to invest, which accounts to draw from, how much to convert to Roth. I’m an Enrolled Agent (EA), the highest credential the IRS awards, so I can work through the tax side of each decision with you as part of the plan. I work alongside your tax preparer to make sure that current year tax decisions fit in the broader context of your plan, and that they’re aware of strategies like backdoor Roth contributions and Roth conversions so that they’re reported correctly.
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Your accounts stay in your name, at the custodian you choose, and you make the final call on each decision. I explain my recommendations and the reasoning behind them, so you know what you’re doing and why. That suits people who enjoy managing their own portfolio but don’t want to do it entirely alone. A second set of eyes catches blind spots, and a plan that someone else understands means your finances don’t depend on one person’s memory and spreadsheets.
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When you reach out, you hear from me, and I already know your accounts, your goals, and what we decided last time. You don’t re-explain your situation to someone new each year, and each decision builds on the one before it.
Meet Elizabeth Gilmore, CFP®, EA
I'm Elizabeth. I transitioned into financial planning from the data science world.
For years, I managed our family’s finances. What started out as a checking account, savings account, Roth IRA, and 401(k) grew over the years to include rented real estate, inherited equities, and income from a side business. There was a point when I sought outside expertise to help with questions about long-term projections and decisions with tax impacts. I felt confident in managing our investments, and I didn’t understand why it was so hard to find someone who could just provide financial advice without managing our investments for AUM fees.
My own experience is what led me to found Gilmore Financial Planning, LLC. Today, I help DIY investors understand what’s possible as they work towards and into financial freedom.
