Services
Create Your Initial Plan
4-5 meetings
Get organized & inspired
Review & optimize cash flow
Develop your equity compensation strategy
Create current-year tax projection & plan to minimize lifetime tax burden
Create financial independence roadmap
Review insurance & estate planning needs
How We Work Together
Investment Management
Ongoing
Develop & implement a cohesive & tax-efficient investment strategy based on your values, timelines & goals
Review & advice for all investments, regardless of where they are held. Think of your current 401(k)s, Health Savings Accounts, etc.
Stay On Track & Plan For Changes
3 meetings/yr (+ when life happens)
Regular check-ins to proactively plan for what’s next
Accountability and assistance with short & long term goal implementation
“The 15-Minute Chat”
block time to get things done together
Annual Planning Calendar
What We Cover
-
Budgeting can feel painful and discouraging, a chore that you never want to do (and maybe you never have). I believe that there is no "one size fits all" approach to this, and will work with you to create a system that is easy for you to follow. Cash flow planning is foundational to your financial success, so it's important to ensure you have this covered.
-
Fear and greed have no place in investing. I adhere to a highly diversified, low cost investment strategy to create a plan personalized to your situation, values, and risk tolerance. The focus is on being disciplined, systematic, and only adjusting as goals change.
I offer professional in-house investment management, but I will work with you even if you would like to stay with your current custodian.
-
What should you do with your restricted stock units (RSUs), incentive stock options (ISOs), or non-qualified stock options (NQSOs)? Should you participate in your Employee Stock Purchase Plan? We’ll review your unique situation to come up with an optimal strategy.
-
That recruiter keeps calling and stalking you on LinkedIn.
Should I take that higher paying consulting job, but with lower benefits?
Should I try to negotiate my current salary?
Does it make sense to relocate?
These are all questions that we in IT face, and they could have significant impact on your finances.
-
Getting the most from your earnings means paying attention to your taxes. IRAs, HSAs, charity, tax loss harvesting all affect your tax bill. We can go through a review to ensure that you are optimizing as much as possible.
-
First things first. What would you like your retirement to look like? Not all of us want to work until 65, then just sit on the beach and golf. Once we establish that, then I can help answer those important questions:
How much should I save?
What would it look like if I retired at 55? or 40!?
Roth vs. Traditional IRA?
What should I select in my 401k?
Will my plan withstand a market crash?
-
I have two children that are currently 17 and 14. Thinking about them going to college makes me cry a little. Then looking at the projected cost of college when they get there brings on a different kind of tears.
I can assist in selecting an optimal 529 plan for your situation, advise on investment selection, and project how much you will be able to cover (you can even pick your specific school). Do your children attend a private primary school? We can plan for that too.
-
Insurance isn't exciting and it's not an investment, nor should it be. It's something we all need to have but hope to never use. I can help get you and your family the types and levels of coverage that best fit your situation.
Life
Long Term Disability
Long Term Care
* I do not receive any commission or compensation on products recommended or sold
Introducing Your Money Café
A truly personalized & innovative way to always feel connected with your money story
Customized for each client, this web-based deliverable makes sure you will always know:
1.) Your current financial picture
2.) Where you are going (& why!)
3.) What is the best next step to get there
As profiled in
What It Costs
Do you hate it when you’re interested in a service, but you have to book a call to get a quote? Yeah, me too.
YOUR TIME IS REALLY VALUABLE + TRANSPARENCY IS KEY IN BUILDING TRUST
For that reason, it’s all right here. One flat price. Yes, it’s that easy.
“All-Inclusive” ongoing financial planning and investment management services
Reduces conflicts of interest. Ensures the service & advice you receive is in your best interest, always upholding our fiduciary duty.
Don’t worry about getting billed for an extra hour of work
If we plan to diversify out of your company stock or move your old 401(k), it’s because it makes sense. It doesn’t affect our compensation
No additional % of assets under management fee
As a point of comparison, most advisory firms whose fees are based on assets under management charge between 1.0% to 1.5% per year. On an account size of $1,500,000, the annual fee at these firms would typically be between $15,000 - $22,500 per year.
If you use our investment management service, you may elect to have the flat fee deducted directly from managed accounts
No commission or product sales
See the FAQ for more details
“I’m interested. What’s next?”
Schedule your intro conversation to explore whether we’re a good fit.
“…and if we are a good fit!?”
Here is our standard initial meeting process. But similar to software development, we fully embrace the agile planning approach. So if there is a high-priority item (such as an IPO, tender offer, stock options about to expire, etc.), we’ll bump that planning to the top.
