Ongoing Financial Planning

Get the guidance you deserve to make the right financial decisions, now and in the future.

You have to make financial decisions all the time. Employee benefits. 401(k). Taking a new job. Downpayment. Restricted stock units. How do you know if you’re making the right decision? You sure don’t want to waste opportunities. Do you even know what your finances look like now, let alone the how each new decision will affect them?

How does it work?

Our work together is collaborative. I may be the financial expert, but you are the You expert. My role is to help you cultivate consciousness around your financial decisions and to erect “guardrails.” You choose a path between those guardrails that works for you.

We start by creating an initial plan that showcases where you are now financially, and also your goals and vision for your life. We then work together systematically to implement the action steps and get you closer to your goals As changes happen in your life, we adapt our strategy so it still makes sense for you. Once a year we do a thorough review of the plan to ensure we’re still headed in the same direction.

As part of this ongoing relationship, I also manage and provide advice for all your investment accounts.

What You Can Expect From Me:
  • The first year features 6 or more meetings, in which we get clear on your values and goals, understand your full financial picture, explore possible paths forward (until you find a path you like), and whatever else is on your mind
  • Subsequent years kick off with an Annual Renewal Meeting, and 2-3 additional meetings throughout the year, depending on what's going on in your life
  • A written Financial Planning Summary that lays out goals, strategies, and action items. This Summary gets renewed annually.
  • Investment management and advice
  • Anytime access (via email, phone, and meetings)
  • A values-based spending exercise
  • Reminders, to help keep you on track
  • Secure, simple, online access to all your information
  • Quarterly client newsletter
What I Expect From You:

This process is a collaboration. So, I expect you to provide information and share your thoughts in a timely manner, and to reach out to me when life happens.

I work virtually, so we conduct all our meetings online or on the phone (unless you happen to live near Bellingham, WA. It’s beautiful up here!) and at your convenience.

How much does it cost?

Ongoing financial planning starts at $5000 per year for a single person ($6500 for a couple).

To best align cost with the value you’ll receive, your fee is based on the complexity of your financial situation. Some common examples of complexity are stock compensation, concentration in a single stock, multiple investment accounts, and rental real estate. But surprise me with your very uniquely complex life!

Investment Philosophy

Investing isn’t complicated. At least, it shouldn’t be.

Unfortunately, it is usually presented as rocket science, or soothsaying…too mysterious for you to understand. Both theory and empirical studies have shown us the simple solution:

1. Pick a balance of stocks and bonds appropriate for you (both your goals and your attitudes about risk).
2. Buy low-cost, broadly diversified funds.
3. Don’t touch it!

That’s the simple part. But our emotions make it far from easy. Every day we are bombarded by financial news and opinions. Too often, our emotions convince us to buy and sell at just the wrong times.

Investing needs to be part of a comprehensive planning process.

Investment decisions are best made when you thoroughly understand your financial picture. Directing your investments without that understanding is “ok” at best, and damaging at worst. How can you know what your investments should look like without knowing how much life insurance you have or need? How big your emergency fund needs to be? Whether your finances are entangled with your extended family’s?

A successful investment strategy should not be measured by the rate of return; it should be measured by how well it helps you achieve your goals. She who dies with the biggest number doesn’t win. She who dies with the fewest regrets does.

Are you afraid you’re missing opportunities?

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