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What does a typical relationship look like?

Getting Started

Once You're Up and Running

Goals & Values

✔Address your pressing concerns and give you space to dream about who you want to be, what you want to do, and what you want to have in life.

✔ Make space for your dreams to evolve and grow.

Saving and Spending

✔ See how your savings and spending project into the future from this point in time, based on reasonable assumptions.  Are you currently on track for big goals such as retirement and education?  Breathe easier with a list of action items you feel you can implement to move closer to your goals.

✔ Work through conflicting priorities that get in the way or reaching your goals.  Monitor projections annually to identify what you need to do to stay on track.  A drifting plan, if not tended to, can take you way off course.  Continuous adjustments help to ensure you get where you want to go. 

✔ Decide what percent of income to live off of and how to direct the rest to priorities such as buying a home, saving for retirement, or saving for your kids to go to college.  Develop smart strategies for dealing with debts, such as mortgages and student loans.

✔ Life happens!  Nothing ever goes exactly according to plan.  Once you implement your saving and spending plan, you will encounter shifting priorities and trade-offs.  As your planning partner, we help you keep your plan aligned with your goals and values.


✔ Learn about investing and create an investment policy that will get you started on a smart path.  An investment policy provides the guidance you need to make smart decisions about the things you can control and plan around the things you can't. 

✔ Conduct annual review of your investment policy and make adjustments to ensure that it continues to align with your evolving life.

✔ Receive a detailed "How-To" for investing your accounts in a way that aligns with the policy we've worked to create.  (Or, if you prefer, you can delegate investment management for an additional fee.)

✔ Guide you on monitoring and adjusting investments, investing new savings, and taking withdrawals.  (If you elect to delegate investment management, the on-going implementation and monitoring will be done for you.)


✔ See where you can take steps, at this point in time, to reduce your lifetime tax bill.

✔ Implement multi-year strategies and identify on-going opportunistic tax-saving strategies.

Estate Planning 

✔ Understand general estate planning issues and documents and create a list of potential issues to discuss with your attorney.

✔ Model your legacy plans so that we can more effectively dovetail your financial planning with your estate planning over time.  We can coordinate or meet with your attorney if needed.

Risk and Insurance Planning

✔ Understand some of the risks that could derail your plans and steps you can take to properly protect yourself and your loved-ones.  Include "What-ifs" for bigger risks, such as a long-term care event, in your planning projections if appropriate.

✔ Conduct an annual review.  We can attend meetings or coordinate in other ways with your insurance professionals if needed.

Social Security & Pension Claiming 

✔ Understand how potential changes to Social Security in the future might affect what you need to save.  Understand pros and cons of various decisions available for your particular situation.

✔ Focus in on a personalized strategy that evolves as your situation and Social Security change in the future.