Services & Pricing

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Working Professionals

Designed for ambitious, early- to mid-career professionals building wealth, maximizing career benefits, and balancing competing household priorities.

  • Cash Flow & Capital Allocation: Design automated savings systems, balance lifestyle goals with long-term accumulation, and optimize emergency reserves.

  • Investment & Equity Guidance: Provide self-directed allocation guides for employer plans (401k/403b/Roth IRA) and manage employee equity compensation (RSUs, stock options, and ESPPs).

  • Debt & Student Loan Optimization: Build efficient payoff strategies for student loans and high-interest debt while maintaining ongoing investment momentum.

  • Family Protection & Legacy Foundations: Audit foundational risk needs—including term life and disability coverage—and establish core estate documents (wills, trusts, guardianships, and power of attorney) to protect dependent children and secure family assets.

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Pre-retirees and Retirees

IDesigned for individuals and couples within 10–15 years of retirement (or currently retired) seeking to transition smoothly from asset accumulation to sustainable distribution.

  • Retirement Stress-Testing: Conduct Monte Carlo probability analyses and cash flow modeling to ensure lifetime income security under changing market conditions.

  • Tax-Efficient Decumulation: Map out multi-account withdrawal strategies, sequence distribution channels, and model multi-year Roth conversions to minimize lifetime tax exposure.

  • Healthcare & Benefit Maximization: Optimize Social Security claiming strategies, evaluate Medicare enrollment options, and integrate long-term care insurance solutions.

  • Multigenerational Legacy Planning: Align estate titling, living trust structures, and direct beneficiary designations to ensure a seamless, tax-smart wealth transfer to children, grandchildren, or charitable causes.

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Small Business Owners

Designed for entrepreneurs, solo practitioners, and partners looking to bridge the gap between corporate success, business continuity, and personal wealth accumulation.

  • Integrated Cash Flow & Compensation: Align personal and corporate cash flows while optimizing owner pay, dividend distributions, and tax-smart profit extraction.

  • Small Business Retirement Plans: Evaluate, implement, and administer tax-deductible retirement plans—including Solo 401(k)s, SEP-IRAs, SIMPLE IRAs, or Cash Balance plans.

  • Risk Mitigation & Business Continuity: Protect corporate operations and family equity using key-person coverage, buy-sell agreements, and executive retention incentives.

  • Succession & Family Asset Protection: Coordinate business succession plans and exit readiness with personal estate structures, ensuring business equity transitions smoothly to the next generation or designated heirs without tax drag.

Simple, Transparent Financial Planning Pricing

We believe high-value financial guidance should be straightforward and conflict-free.

Choose the payment structure that best fits your cash flow—both options deliver the exact same comprehensive planning, access, and ongoing strategy.

Option A: Monthly Retainer Plan

  • $500 / month (Capped at $3,000 total for Year 1)

  • Terms: 3-month initial commitment ($1,500 total), transitioning to month-to-month flexibility until reaching the $3,000 Year 1 cap.

  • Service Schedule:

    • Year 1: Up to 6 focused planning sessions (1.5 to 2 hours each) to build, refine, and execute your complete blueprint.

    • Year 2+:2 bi-annual review sessions per year for ongoing tracking, strategy adjustments, and cash flow monitoring.

Option B: One-Time Upfront Plan

  • $2,500 One-Time Payment (Enjoy a $500 discount for paying upfront)

  • Terms: Single payment due upon agreement signing.

  • Service Schedule:

    • Year 1: Up to 6 focused planning sessions (1.5 to 2 hours each) to build, refine, and execute your complete blueprint.

    • Year 2+:Two semi-annual review sessions per year for ongoing tracking, strategy adjustments, and cash flow monitoring with no recurring planning retainer fees.

What’s Included in Both Options:

  • Deep-Dive Strategy: Up to 12 total hours of direct, 1-on-1 collaborative planning sessions in Year 1.

  • Holistic Cash Flow & Balance Sheet Integration: Full alignment of personal finances and business cash flow.

  • Tax-Smart Wealth Strategy: Compensation structure, distribution optimization, and tax-efficient profit extraction.

  • Risk Protection & Business Continuity: Comprehensive evaluation of personal and business insurance needs.

  • Interactive Client Portal: Real-time net worth tracking, secure document vault, and scenario modeling.

  • Zero-AUM Freedom: You maintain 100% control over your investment accounts with zero ongoing percentage drag on your assets.