Our Process
A plan before a fee. Always.
Most advisors want you to sign before you see the plan. We do it backwards on purpose. You get a real written financial plan before we ever discuss ongoing fees.
Free planning conversation
30 minutesWe start with a free 30-minute call to understand where you are and what you're trying to figure out. No prep required — bring whatever questions you have.
- Your current financial situation
- Goals you're working toward
- Questions or concerns on your mind
- Whether a full plan makes sense for you
Your written financial plan
1–2 weeksAfter the intro call, we review your full picture and build a written plan with specific recommendations. This covers the areas that matter most for your situation.
- Cash flow and budget review
- Emergency fund target
- Retirement savings path
- Insurance and protection gaps
- Tax-efficiency opportunities
- Priority next steps
Ongoing support (optional)
Monthly or quarterlyOnce you have your plan, you can take it and run with it yourself — or continue with ongoing support to review progress, adjust as life changes, and stay on track.
- Plan updates as your life changes
- Ongoing tax and investment review
- Accountability check-ins
- Answers when new questions come up
Common questions
How much does the initial plan cost?
The initial planning conversation and written financial plan are free. We discuss ongoing fees after you've seen the plan and decided whether continued support makes sense.
Do I need to have my finances organized before reaching out?
Not at all. Most people come to us in the middle of figuring things out. Just bring your questions — we'll work through the details together.
Is this only for people with a lot of money?
No. We work with households at all income levels. Good financial planning matters more when resources are limited, not less.
What does fee-only mean?
It means we charge fees for our time and advice — we don't earn commissions by selling products. Your recommendations are based on what's right for you, not what pays us.
What is a fiduciary?
A fiduciary is legally obligated to act in your best interest. Not all financial advisors meet this standard. We do.
Ready to see what your financial picture actually looks like?
Book a free 30-minute planning conversation. No obligation, no sales pitch.