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 that affect your life now and in the future. Employee benefits when you start a new job. What to do with your 401(k) when you leave a job. Figuring out how much to save. What to do with a bonus or Restricted Stock Units that are about to vest. All these decisions matter, and they can be overwhelming. How do you know if you’re making the right decision? Are you afraid you’re missing 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?

We start by exploring your relationship to and attitudes about money, and what you envision for your life now and in the future. Only then do we delve into the numbers. For how are we to answer the “How?” without first answering the “Why?” Then we start crafting a general strategy along with small, specific tasks to help you make progress towards the life you want.

Our ongoing relationship means that I am here to help you implement any of the decisions we make, explain or advise on financial decisions as they arise (All. The. Time.), give you a broader perspective on your financial concerns, and truly collaborate with you throughout the year to make sure you continue making progress towards the life you want.

Do you want to know more about how I can help you? What decisions I can help you with? You might be surprised.

What You Can Expect From Me:
  • Our relationship kicks off with an initial planning process over 4 meetings
  • Management and/or advice for all your investment accounts
  • Anytime access (via email, phone, and meetings)
  • A values-based spending exercise
  • An Annual Meeting, to reflect and renew
  • 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. I might be the expert on financial planning, but you are the expert on you. So, I expect you to share thoughts and information in a timely manner, and 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.


Cost:
Ongoing financial planning starts at $4500 per year. We renew our engagement each year, and subsequent-year fees are usually lower.

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, couple vs. single, multiple investment accounts, and rental real estate. But surprise me with your very uniquely complex life! I will propose your fee after our initial consultation.

I also offer a stand-alone, one-time comprehensive financial plan. The cost for that is $5000-7500, again depending on complexity.

Are your investments tailored to your needs as well?

I also provide Investment Supervisory services for your investment and retirement accounts, including your 401(k) and college savings plans. Because I believe good investing can only be built on the foundation of a well crafted financial plan, investment supervisory services are available only to financial planning clients.

Are you afraid you’re missing opportunities?

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