We only work for you & your family.
We help you make smarter and wiser choices about your money, helping you get to your goals while honoring your values. We want to be partners in your journey towards living an even better life.
Our clients are smart, capable people, mostly successful parents who are busy & blessed. They simply do not have the time to learn (and keep up on) everything they need to know about finances – and still focus on the people they love. Some are single, some are married: most want to help their kids get through college, without massive debt.
We start with whatever you need most. We put together the whole picture for you, and help you optimist your ideal financial life. You are busy with your blessed life… let us do some of the work and worry for you.
A Comprehensive Financial Plan, prepared by a CFP® Professional, normally cost From $3,000 to $6,000. And that is actually a very good value, the problem is that most financial plans are sitting on a shelf and outdated 3 months after they are created. That is why we use Modular, Comprehensive Financial Planning. It is everything you need at that moment, without paying for things you don’t need. This gives you access to ongoing advice, planning, coaching, and coordination. Exactly what you need, but in bite size sections. This efficiency allows us to better serve our clients; as a bonus, it is often at a lower total rate than other financial planner and financial advisors.
Full Service Financial Advice Spectrum
We are passionate client advocates: and so, we use proactive, collaborative, comprehensive, modular, and integrated financial life planning processes to create custom tailored advice for your family, and your life. .
Our unwavering loyalty to client families means that we will always act in your best interest, even after you are gone.
Our Business model is built on integrity. Doing what is right for your family is also what is in the long term best of our business.
Our Collaboration Principles
“Nobody knows everything, and everybody knows something.”
Very often it takes a team of advisor to fix a complicated situation. We make sure that we do the right thing for the client, even if it takes longer, requires more work, and more collaboration. Our business, advice fees, and planning process are built with coordination and collaboration in mind. We make sure everything gets done. We have collaborative teams of professionals that we normally work with.
And we would love to work with your current professionals, as long as they are up to our high standards.
To get AAA, 100% Fiduciary Wealth Management Oversight; you must have collaboration between your fee-only professionals especially your financial planning advisor, accountant, and attorney.
Our Planning Principles
We Believe in…
Financial Transitions Planning:
Life transitions can be really difficult. If yours is difficult, we can make it easier. If yours is going well, we can make it even better. Virtual Family Office & Collaboration Coordination is available.
Family Focused Finance:
We focus your core family. Our planning is optimized to get the best overall results for your whole family, not just one person, and not just for retirement. We only do Family Governance for very select clients, but that type of thinking effects everything we do.
Female Friendly Finance: We believe in gender balanced, personally tailored finance. We will treat you both as individuals, and make sure you are both fully heard. Every area of our service is crafted by these guiding principles.
Below are some of the modules and components of Comprehensive Financial Planning, displayed in groups for explanatory clarity. We do not offer these services individually, unless specifically stated on our website.
Cradle to Career Education Funding & Advice
Saving for college is great if you had the opportunity, but not everyone was able to. We start wherever you are now. College Funding includes advice on how to save for college, but also how to save on the cost of college. We find the optimum way of funding college to help you reduce stress and uncertainty. Using the College Pre-Approval™ process, we help families create a comprehensive college funding plan to: maximize financial aid, minimize taxes, and save for a comfortable retirement – at the same time. We can also help with Student Loan Repayment Planning after college.
Total Wealth Planning Oversight
Often clients want others to manage investments for them. Some want to manage them personally. We are certainly fine with either, and will sometimes recommend a combination of both. Whatever you choose, we want you to have a coordinated, aligned, tax efficient portfolio that is working together for you. That is why Wealth Planning and Oversight is included in our process. We care more that it gets done right, than who gets to do it. Whether we are acting as a investment coach, counselor, consultant, or as a Portfolio Planner we want you to understand your money. How and why your money needs to be managed that way – in ways that align with your possible life events, values, and future goals.
Small Business & Employee Benefits Planning
401(k)s, 403(b)s, PERS, and SERS. HSA, FSA, SLI… It can get a little complicated. We help you with your choices and trade-offs. So that you know you and your family have the optimum finical protection in case of unforeseen events. Life happens. So you need protection from possibilities like; disability, illness, injury, or unemployment. We also collaborate with professionals that specialize in different areas of tax planning, succession planning, and things you have never heard of. We will thoughtfully and thoroughly analyze your situation to find any opportunists; to pay less taxes, for efficiency, or to protect your business and family better.
Personal Risk Management
Risk Management is simply the process the minimizing the total risk in your financial life. Sometimes you can avoid a risk, like not eating that gas station sushi. Sometimes you can reduce a risk, like wearing a helmet. Sometimes you can transfer a risk, letting a firefighter fight a fire. Sometimes you can accept a risk, like swimming in the ocean. We transfer the big risk that we cannot easily handle, that is insurance. We reduce the risk we can, like installing fire sprinklers. What is important to understand is how much of a threat each risk really is to you. Then we can work on finding the optimum path.
Retirement and Senior Life Planning
The most concern is retirement. It is important, but we also want to plan for Long Term Care cost, and caring for elderly parents. We help you define your Values, Dreams, and Goals – and we help you watch out for the pitfalls that can derail those goals. Together, we “get your life together” financially… so we can see the whole picture. Then we start the process of financial planning, financial doing, and financial navigating. Plan, Provide, Protect, Prosper. The process of planning is much like piloting a ship. Having a navigator that won’t let you forget anything, brings a lot of peace and clarity to you, the captain. We show you the course corrections so that you can steer clear of rocky shores, storms, and other hazards.
Legacy, Estate, & Charitable Planning
We start off with an Ethical Will. It is a legacy tool that does three things. It helps us get clear on your values, so that we can make sure decisions and suggestions fits your values. It acts as a cover page for the rest of your estate documents: so that executors know why you wanted things that way. It helps you pass down your values and cultural legacy to the next generation explicitly. We are not attorneys or accountants. We don’t do all the work for you. We help other advisors plan for exactly what fits you and your life. We make sure all the important work gets done, and is implemented right.
Cash-Flow Planning, Debt, & Credit Advice
Oh no, not a budget! Don’t worry, this is about awareness not finding every penny. Cash Flow Planning is really just about bringing a touch of sophistication to your Savings & Spending Strategies. We help you save better, spend wiser, and fix those common issues with credit. Money is very sharp, double edge tool… it can help you make your life more meaningful or more maddening. “A Cash Flow Plan is simply telling your money what to do instead of wondering where it went.” John Maxwell
Caretaking, Special Needs, and Home Advice
Being a caretaker is one of the most meaningful roles in the world. It is also one of the hardest. I probably do need to tell you, that taking care of your loved ones can often mean forgetting to take care of yourself. We help you figure out what can be done with your money, so that everyone you love is taken care of the best way possible. Home & Equity Advice: Moving? Upgrading? Downsizing? Remodeling for an Aging in Place Plan? Should you take that home equity loan or Refinance? What will it look like if you… ? No matter how exciting, scary, frustrating, or complicated we help you walk through everything you are thinking, do the math, and then give your truly objective advice.
Collaboration, Special Needs & SME’s
We collaborate with your Subject Matter Experts. We don’t do everything, we help make sure everything gets done right. We can give some really great advice, but nobody can give all the advice you need. Eventually we need to find the right collaborative team for your specific situation. This is an advanced type of planning, and different because you have to plan separate for at least two different life cycles. Then those plans have to be unified and optimized into something new. And this all had to be done as efficiently and effectively as possible, to make sure all the money needed is there for care.