Hourly Financial Planning

Our hourly planning service is designed for clients who have specific financial questions.

Our rate is $335/hour. We typically bill 50% of the total estimated cost upfront and the remaining 50% at completion.

We begin with a complimentary conversation to better understand your questions. We’ll then provide you a statement of work and fee quote for you to review.

Typical questions we can help answer could include:

“Am I ready to retire?”
“Could you prepare an investment analysis for me?”
“When should I claim Social Security?”
“Can you help me with some budgeting, cash flow and debt questions?”
"Should I use my cash, brokerage account or retirement account first in retirement?"
"Can I give a sizeable amount of money to my family members without risking running out of money later in retirement?

See work we have completed for clients.

The list below summarizes some of the area where we can help:

Financial goals planning

Retirement planning

Investment advice and recommendations

Retirement income strategies: Social Security, pension claiming, & portfolio withdrawals

Tax planning

Risk management planning & insurance review

Cash flow & debt management

Estate planning

College planning

Charitable gifting

Employee benefits analysis

Examples of the variety of clients we serve

You're just a few years away from wanting to retire and would like to double check that you will be financially ready.

You’re a Do-It-Yourself (DIY) investor and have been managing your portfolio on your own for years, but you’d like a second opinion to make sure that your portfolio is constructed as efficiently as possible.

You’re a busy, working couple and need a roadmap for your finances, including answers to questions like whether you have enough insurance, your investments are allocated properly, and if you are saving enough.

You’re a mid-career professional beginning a job at a local university. You’d like some professional guidance on your employee benefits and retirement plan.

Typical Engagements and Cost Estimates

Investment Analysis

You’re looking for a thorough review of your investments.

We’ll help you answer questions like:

• Do my investments and their allocation match my risk level and time horizon?

• What changes do I need to make in my portfolio and what specific investments should I hold?

• What tax considerations do I need to be aware of in my portfolio?

• How expensive are my investments?

Estimated cost:

$2,010-$3,350 (6-10 hours)*

*We will provide a custom quote based on your needs and your individual situation.

Financial Plan

In addition to an investment analysis, you’re looking for a financial plan for retirement.

We’ll help you answer questions like:

• When can we comfortably retire?

• How much should I be saving for retirement, college and/or other large expenses?

• What changes do I need to make in my portfolio?

• Which accounts do I withdraw from first in retirement?

• How can I reduce my tax liability?

Estimated cost:

$5,360-$7,370 (16-22 hours)*

Comprehensive Financial Planning

In addition to an investment analysis and financial plan, you’re looking for additional specific advice on your tax situation, insurance coverages and/or an estate and beneficiary review.

We’ll help you answer questions like:

• Do I need additional tax planning analysis for gifting, Roth conversions, and execising stock options?

• Do I have sufficient insurance coverage for me and my family and are my assets sufficiently covered by my liability insurance?

• Do my estate documents align with how I actually want my assets distributed?

Estimated cost:

$7,370-$10,050 (22-30 hours)*