Financial Planning
A living plan — goals, cash flow, retirement modeling, Monte Carlo cones — kept current rather than printed once and shelved. When life moves, the plan moves, and the change is logged so you can see what shifted and why. The plan is the spine; everything else is in service of it.
What the plan covers
- • Goals and values — what this household is for
- • Inventory and balance sheet — everything owned, everything owed
- • Cash flow — in, out, and what remains
- • Retirement income modeling, including Monte Carlo probability analysis
- • Tax strategy, coordinated with your CPA
- • Investment policy — decisions on the record
- • Estate coordination and digital-estate inventory
- • Insurance and risk — what the household cannot self-insure
The plan is built on professional tools — eMoney Advisor for analysis and Nitrogen Wealth for risk — and delivered as your folio: a single bound document, kept current each quarter.
Fees
Standalone Comprehensive Wealth Plan engagements: $2,000 – $3,500.
Financial planning fees require a 50% deposit at engagement. If the client subsequently enrolls in investment advisory services, the remaining 50% is waived and the deposit is credited against the first quarterly advisory fee. See the full fee schedule on our Fees page.
Important: Information on this site is for general purposes only and is not legal, tax, or accounting advice. Consult qualified professionals about your specific situation.