All financial planning packages include:

• Set up and Access to Financial Planning Software
• Downloadable mobile Phone App for on-the-go visibility
• Aggregation of all of your financial accounts
• Vault access to store sensitive documents
• Financial Goal Setting
• Before and after cash flow analysis
• 401(k), 403(b), Deferred Compensation Allocation review
• Employee Benefits Planning
• Behavioral Finance Coaching
• Monte Carlo Analysis – Probability of success for goals
• Investment Review
• Risk & Insurance Needs Analysis
• Beneficiary Review
• Updates to plan for changes of lifestyle event planning (marriage, divorce, children, job, education)
• Access to our professional network: Accountant, Estate Planning Attorney, Divorce Attorney, Personal Injury Attorneys, etc.
• Investment Account Set Up & Management as desired
• Provide financial guidance / planning for special circumstances – divorce, disability, job loss, special needs, monetary, windfall, etc.
• 1-page Financial Statement reviewed annually

$399 and $50 / month

At the cornerstone of all financial planning, is building a strong foundation. With smart money management, budget savviness and investment knowledge your financial goals can be well within reach. We understand you’re starting out, so we want to partner with you to get you through the fundamentals of a solid financial plan, including making a budget, familiarizing yourself with investing and balancing debt reduction with effective savings habits. This package includes all of the basics, plus:

• Budgeting Basics: Make a spending plan that aligns with your values and goals
• Retirement Review: Employer plans vs self-directed plans
• Savings Strategies: Building good habits to ensure long term success
• Liquidity Needs Analysis
• Debt Reduction: When to pay down and when to pay in
• Analysis of debt repayment strategies
  o Student loans, credit cards, etc.

$499 and $75 / month

You have a huge advantage when it comes to financial planning: time. With smart money management, budget savviness and investment knowledge, your financial goals can be well within reach.

This package includes everything in our standard package plus:

• Retirement check in: Are you on track?
• Prioritization of financial goals
• Consolidating assets
• Insurance gap analysis: Life, Disability, Umbrella
• Estate Planning Basis: Will, Power of Attorney, Health Care Proxy, Trust Accounts
• Savings Plan: Paying for your wedding, Down Payment on a home, Renovating your house, etc.
• Starting accounts for your children’s future
• Pre-nup discussion
• Debt Reduction: When to pay down and when to pay in
• Analysis of debt repayment strategies
• Student loans, credit cards, etc.

$899 and $100 / month

This package is ideal for those who value 360-degree coverage on all of their financial planning considerations. You're not new to making your finances a priority. Your aging parents are ahead of you. They may be healthy now, maybe not. Whatever their status now, they want to finish their golden years in peace — and that needs looking after sometimes. Your children are aging through high school and up into college. That means tuition and potentially more financial support after they graduate.

This package includes everything in our standard package plus:

• Retirement Analysis: How soon can you afford to retire comfortably?
• Social Security Analysis: What is the best start date for you?
• Cash flow analysis before and after retirement
• Family Financial Education
• Healthcare Planning: Long Term Care Insurance, Medicare Planning
• Risk & Insurance gap analysis: Life, Disability, Umbrella
• Stress Tests of Portfolios
• Tax conscience planning
• Estate Planning Basis: Will, Power of Attorney, Health Care Proxy, Trust Accounts

$899 and $100 / month

Around this time, you’ve put the kids through college and climbed the ladder in your own career. You can now focus completely on your biggest goal: having enough saved so work is optional and a worry-free retirement can commence. And that retirement is just around the corner!

This package includes everything in our standard package plus:

• Wealth Transfer
• Family Wealth Transfer Planning & Relationship Management
• Vault access to store and manage crucial estate documents
• Including Will, Power of Attorney, Trust Documents
• Legacy Planning
• Healthcare Planning: Long Term Care, Life Insurance, Medicare Planning
• Complex Trust Strategy
• Charitable Giving
• Advanced Investment Solutions
• Distribution Strategies and RMD’s
• End of Life Planning Organizer

$499 and $75 / month

You dedicate your life to your business and it’s your pride and joy. We want to make sure life’s obstacles don’t catch you by surprise and jeopardize what you’ve worked so hard to build.

This package includes everything in our standard package plus:

• Employee Benefits
• Risk Assessment
• Insurance Plan Design: Disability, Business overhead
• Retirement Planning
• Tax Planning
• Succession Planning
• Business Budgeting: Make a spending plan that separates operations and tax expenses
• Business entity planning

$999

Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.

This package includes everything in our standard package plus:

• Before and after cash flow analysis
• Individualized Beneficiary Review & Estate Planning
• Name Change Kit
• QDRO Execution
• Asset and Debt Separation Strategy
• Homeownership Planning
• Review prenuptial documents

You will receive a comprehensive, semi-annual performance review that will detail your entire portfolio’s return, as we exercise continuous supervision of your assets under our management. Taking into consideration your goals, we will select, buy, monitor, and exchange mutual fund shares, or other securities in your best interest. We will apply due diligence to our process and carefully research and evaluate the individual investment securities.

You may not have a need to have a comprehensive financial analysis, but you do need advice on a specific issue.

Employee Benefits Review
Those large packets you receive from HR can be overwhelming, but we’re here to break it down! We will make sure you’re taking full advantage of what your company has to offer you including: health insurance, life insurance, HSAs, FSAs, retirement benefits, etc.

Insurance Review
We know this isn’t as glamorous as investing but risk management is an essential part of a financial plan. Examples for an insurance review would include a review of insurability need for life insurance, long-term care, property and casualty insurance and disability insurance, as well as, and review of existing policies.

Savings Strategies for Kiddos
Did a family member buy another toy that your 1-year old didn’t need? Let’s put this generous money to work. We can get that money invested toward future big-ticket items like a future car, college expenses, etc. Together we’ll discuss your options to build a brighter future for your loved ones.

Second-Opinion Investment Review
Whether it be personal IRAs, brokerage account or employer sponsored retirement accounts, we can conduct a thorough risk analysis, cost-benefit analysis, and asset allocation analysis. After a comprehensive look, we can provide an alternative strategy recommendation, if necessary.

Home Essentials
Home buying can be an overcomplicated process, together we can break it down and make sure you do it right! Through careful consideration we’ll help you find a realistic price point and narrow down a purchase timeline, assess your income, resources and current cash flow, as well as determine a down payment strategy and life insurance need to back any loans.

Pre-Wedding Planning
Congratulations and buckle up for a joyous ride! As a team we want to make sure all the financial logistics of getting married are taken care of, so you don’t have anything to distract you from your special day. We’ll help you navigate financial expectations with your partner, pre-nuptial agreements with a licensed matrimonial attorney, as well as new strategies and opportunities your joint income may present.

Debt Management
Debt stinks. Tackling it head on with the right strategy, rather than ignoring it, can allow you to get this weight off your shoulders more efficiently. Strategies discussed will include, but are not limited to, procedures for repayment, consolidation, and other financing options available to you. Additionally, we may provide recommendations on where to save money to facilitate debt repayment.