Services & Pricing

Services & Pricing

Financial planning built around the support you need.

Whether you’re building your financial foundation, managing an increasingly complex financial life, or preparing for retirement, we help you choose a planning relationship that fits your goals.

Work with us through ongoing financial planning or a focused planning project. Investment management is optional. We also offer standalone early-career and student loan planning services.

Ongoing Comprehensive Financial Planning

Ongoing financial planning built around a long-term partnership—providing guidance, continuity, and support as your life and priorities evolve.

Onboarding & Plan Creation Fee (first two months):

  • Individuals: $1,000–$2,500
  • Couples: $1,800–$3,000

Ongoing Planning Fee (annual fee billed monthly after plan delivery):

  • Individuals: $200–$400/month
  • Couples: $300–$500/month

Fees vary based on the complexity of your financial life and the level of ongoing support required. Reduced upfront and
ongoing fees may be available for young professionals early in their financial journey.

This service includes the development of a comprehensive financial plan over three meetings, followed by ongoing
support with implementation, coordination, and plan updates over time.

The upfront fee covers onboarding, data gathering and analysis, and the development of your financial plan. You may choose to make a deposit of $500 (individuals) or $800 (couples), with the remaining balance due upon delivery of your plan—typically at the end of our second month together. Ongoing fees begin after plan delivery and are billed monthly.

Fees within the listed ranges reflect the complexity of your financial situation, including income structure, tax planning needs, business ownership, account coordination, retirement timing, assets held outside of our management, and advanced planning considerations, such as equity compensation.

Explore What We Can Help With

  • Clients seeking an ongoing financial planning relationship
  • Those who want regular check-ins and guidance as life evolves
  • Individuals or families looking for an accountability partner to help turn plans into action, including support with cash flow and debt planning, investment and retirement strategy, employer benefits, insurance decisions, and long-term goal coordination
  • Individuals and couples approaching or navigating retirement who want ongoing guidance with pension and Social Security decisions, investments, withdrawals, and tax planning
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Project-Based Financial
Planning Service

A focused planning engagement with a clear start, clear deliverables, and a defined finish.

Individuals: $1,800–3,500
Couples: $2,500–4,000

The fee is split between an initial payment at the start of the engagement and the remaining balance due upon completion of your financial plan.

Fees vary based on the complexity of your financial situation and the scope of planning involved.

This service includes three dedicated financial planning meetings and a detailed financial plan aligned with your selected planning topics. The engagement is designed to provide clarity and direction around specific goals, but does not include ongoing implementation or long-term support.

Fees within the listed ranges reflect the scope and complexity of your planning needs. Factors may include income structure, tax considerations, business ownership, account coordination, retirement timing, assets held outside of our management, and other advanced planning considerations. Your exact fee is confirmed before the engagement begins.

  • Clients who want professional clarity and recommendations without an ongoing commitment
  • Those who prefer a do-it-yourself approach but want expert guidance on specific financial questions
  • Individuals or families looking for a defined engagement with a clear beginning and end
  • People approaching retirement who want an independent review of what they’ve built and a clear plan for the decisions ahead
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Investment Management (Optional Add-on)

Available for ongoing planning clients who prefer to delegate portfolio construction, implementation, and ongoing oversight.

The investment management cost is 0.85% of assets under management.

We do not charge a management fee on designated cash reserve accounts.

For clients who meet asset minimums, ongoing comprehensive financial planning may be included as part of the investment management relationship. Planning is always available as a standalone service — investment management is never required.

Our investment management service is designed for clients who want their investments aligned with their broader financial plan — not short-term market outcomes.

Portfolios are built to support your long-term goals, risk tolerance, and overall financial strategy, with ongoing monitoring and rebalancing as needed.

Our preferred custodial platform is Betterment, which allows for low-cost implementation, broad diversification, and seamless integration with your financial plan. You retain full ownership and visibility of your accounts at all times.

  • Clients who want to delegate portfolio management and ongoing investment decisions
  • Those who value a low-cost, diversified, long-term investment approach
  • Individuals or families who want their investments aligned with their broader financial plan
  • Clients who prefer ongoing oversight and rebalancing without managing day-to-day investment decisions
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Early-Career Financial Planning Project

A strong financial start can make a lasting difference. We offer this reduced-cost service to make professional financial guidance accessible to people beginning their careers.

$495 one-time

This standalone project includes two meetings and is available exclusively to individuals in their first three years of professional work.

Together, we review your financial foundation and prioritize the decisions that matter most right now. Topics may include budgeting, emergency savings, debt reduction, employer benefits, retirement contributions, getting started with investing, and saving for near-term goals.

You’ll receive a personalized action plan with clear priorities and practical next steps you can implement independently.

  • Individuals in their first three years of professional work.
  • Early-career professionals seeking affordable guidance on debt, savings, employer benefits, and investing.
  • Young professionals who want a focused review and clear action plan.
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Student Loan
Planning

A focused student loan review and repayment strategy designed to align with your financial goals.

$495 — Standard Student Loan Review
Federal loans, PSLF analysis, and married filing considerations

$695 — Advanced Student Loan Strategy
Dual borrowers, higher income, or long-term repayment modeling

This service includes two focused planning meetings where we gather information, analyze your options, and evaluate forgiveness and repayment strategies. You’ll receive a clear, step-by-step action plan designed to optimize your student loan strategy.

We also support you through implementation and provide follow-up email support as needed during your loan transition.

The goal is to reduce uncertainty, avoid costly mistakes, and help you move forward with confidence.

  • Borrowers with federal student loans who want clarity around repayment options
  • Individuals pursuing or considering Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness (TLF), or other forgiveness programs
  • Anyone who wants help choosing and executing a student loan strategy aligned with their cash flow and long-term goals
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What can we help you with?

We help you connect everyday money decisions with your bigger goals. Explore the topics below; the areas we address together depend on your needs and selected service.

  • Determine how much to keep in emergency savings and what to do with extra cash.
  • Create spending and savings priorities that balance multiple goals.
  • Develop a repayment strategy for credit cards, car debt, student loans, and mortgage debt.
  • Organize accounts and automate cash flow to make your plan easier to maintain.
  • Determine how much to save and which accounts to use, including Roth versus pre-tax options.
  • Review workplace retirement plans, investment choices, fees, and employer matches.
  • Coordinate investment allocations across accounts and align them with your goals.
  • Provide optional investment management, including rebalancing, tax-aware decisions, and support during market changes.
  • Evaluate retirement timing, spending needs, and long-term financial sustainability.
  • Coordinate pension elections, survivor benefits, and Social Security claiming decisions.
  • Develop withdrawal strategies that balance taxes, income needs, and investment growth and stability.
  • Evaluate Roth conversions and plan for required minimum distributions (RMDs).
  • Plan for healthcare before Medicare, Medicare premium surcharges (IRMAA), and potential long-term care costs.
  • Build confidence in the emotional transition from saving to spending.
  • Create a plan for inherited cash, investments, retirement accounts, or property.
  • Balance investing, debt reduction, family support, and meaningful spending.
  • Review inherited-account withdrawal requirements, cost-basis information, and tax considerations with your CPA or estate attorney.
  • Review employee benefits, including retirement plans, health coverage, insurance, and HSA/FSA options.
  • Evaluate job offers beyond salary and plan for financial changes when switching jobs.
  • Compare repayment, forgiveness, and refinancing options, including Public Service Loan Forgiveness and Teacher Loan Forgiveness.
  • Coordinate student loan decisions with taxes, retirement savings, and other goals.
  • Develop education savings strategies, including 529 plans and applicable state programs or tax benefits.
  • Coordinate finances as a couple and plan for changing family needs.
  • Evaluate life and disability insurance needs and connect with an insurance broker when appropriate.
  • Review beneficiaries and identify estate-planning needs to discuss with an attorney.
  • Plan for family support, gifting, and tax-efficient charitable giving.
  • Evaluate renting versus buying a home and plan for a down payment.
  • Save for a vehicle and compare buying, financing, or leasing.
  • Develop a responsible credit card rewards strategy.
  • Recognize financial habits and emotional patterns that affect decisions, balancing enjoyment today with security tomorrow.
A Planning Relationship That Fits You

We’ll help connect you with the advisor whose experience and approach best fit your goals, financial situation, and the type of support you’re looking for.

During your introductory conversation, we’ll discuss which service makes the most sense for you and the expected fee range. Your specific scope of work and fees will always be clearly outlined before you decide to move forward.

SCHEDULE A COMPLIMENTARY DISCOVERY MEETING

Not sure which service is the right fit?

The best place to start is a short introductory call. We’ll talk through your goals, the complexity of your financial situation, and the level of support that makes the most sense — and confirm an estimated fee range so expectations are clear before moving forward.