Flat-Fee Financial Planning

Clients typically find me when they’re looking for help with the years leading up to and into early retirement. My role is to help you understand your options and make you feel confident in your financial decisions.

What’s included?

  • Cash Flow

    We’ll start by understanding how money flows through your life, what’s needed to support your desired lifestyle, and any upcoming cash needs.

  • Retirement Income

    We’ll work out how much your portfolio can support, when to claim Social Security, and which accounts to draw from first.

  • Investments

    We’ll keep your portfolio simple and low cost, and if you have old 401(k)s scattered across former employers, we’ll look at consolidating them. Your accounts stay with you, and I explain the reasoning behind each recommendation.

  • Tax Planning

    We’ll look at taxes across your whole plan, including when to contribute to Roth and Traditional accounts, ways to maximize your tax impact of gifts to charity, and Roth conversions where they make sense.

  • Risk and Insurance

    We’ll look at which coverage you need and which you don’t, including umbrella liability and a plan for long-term care.

  • Healthcare

    We’ll plan for health insurance costs before and after Medicare, including how your income affects what you pay.

Pricing

$300-800 per month

Ongoing Services

A planning partnership that starts with an initial plan and continues as your life evolves. Each year, we work through tax decisions, withdrawals, and rebalancing. I keep an eye on your portfolio as markets fall, so that we know if anything needs to be adjusted.

$3600-9600

One-Time Plan

A comprehensive plan for mid-career professionals who want to make sure that they’re on track, identify any blind spots, and leave with a plan around how much to put in Traditional versus Roth accounts and what to do with future bonuses. If retirement is close, ongoing planning is generally a better fit.

Rates vary by complexity. Most new ongoing clients are charged $400 per month and most new one-time plans cost $4800. You will know how much your plan will cost before signing anything.