How We Work With Financial Planning Clients

We are not accepting new clients for financial planning services at this time as we are booked for 2024.
In 2025, we will be narrowing our financial planning services to comprehensive retirement planning for pre-retirees and current retirees (people age 50+). In early 2025, we will be revising our website to reflect this change. Please check back with us in 2025 to review the information about our new financial planning process, packages and pricing on our website. If you think that we would be a good fit for your financial planning needs, please call our office to schedule an introductory consultation meeting at that time.

Carrie and her team take an uncommon approach within the financial services industry by providing specific, personalized financial planning advice on an hourly or flat-fee project basis, and at a specific, transparent price.  

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Our goal is to provide you with a thorough financial plan that is simple enough for you to implement and manage in the future.  Our engagements are time-limited and defined; however, we are here for you when you need your plan updated due to major life changes, as you transition into a new season of life, or annually for a financial planning check-up.  Ultimately, we want to help set you up for financial self-sufficiency and provide follow-up advice on an as-needed basis.   

This approach generally appeals to clients who are self-directed and want to take more control of their finances, as well as clients who either do not have enough assets to meet a money manager’s minimum or do not want to pay an ongoing fee to a money manager based on a percentage of their assets.  Our aim is to support clients to have the capacity, temperament and energy to implement their own financial plan.

Pricing for Financial Planning Services

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Based on Carrie’s experience in providing personalized financial planning services, she has put together a financial plan package that addresses the most frequent financial planning needs. Pricing is provided below.

  • Personal Financial Analysis & Plan (typically $3,500, based on number of hours worked)

    • After a 45-minute introductory meeting with Carrie and/or Corey, you provide us with information and documents relating to all areas of your financial life, including cash flow, assets, debt, college savings accounts, insurance coverage, investment accounts, employee benefits, Social Security benefits, tax situation, retirement goals and estate documents.

    • We conduct a portfolio analysis of your current investment, retirement, and college savings accounts, review your strategy, and make specific recommendations to ensure your portfolio is in line with your risk tolerance and time horizon, is properly allocated and globally diversified, and is tax efficient. Please note that we are not “stock pickers” but rather index fund- and ETF-oriented financial planners – for more information on our investment philosophy, please see Carrie’s Statement of Investment Philosophy & Approach.

    • Taking a numbers-oriented, cash-flow based approach, we analyze your retirement savings strategy and make detailed, tax sensitive projections to determine if you will be able to achieve your goal of a financially secure retirement.

    • We provide tax-efficient strategies for withdrawals during retirement and consider health care costs for retirees such as Medicare premiums and long-term care.

    • We deliver to you a four-part written financial plan including a summary action plan, recommended portfolio, and detailed cash flow / retirement projections, and review the plan in detail with you at a 90-minute in-person plan presentation meeting.

    • We do not implement or monitor the plan but support you to do so.  Included in the package are unlimited email follow-up questions about the plan. 

    • Who does this appeal to?  Mid-career families with children, individuals/couples approaching retirement or in retirement, mature business owners, and households with developed financial circumstances who need portfolio analysis, college savings projections, retirement projections and advanced tax planning advice.

  • Financial Plan Check-Up ($275 per hour)*

    • You schedule one or more hours of our time to review your existing financial plan, discuss new developments in your financial situation, and address portfolio rebalancing needs.

    • We meet either face-to-face or by Zoom.  You may provide documents prior to or at the meeting for our review, and we will have accessible the financial plan we previously developed for you.

    • During the meeting, we provide you with personalized advice addressing your specific questions.  Some analysis may be performed with respect to portfolio rebalancing and updating retirement projections as necessary.

    • Who does this appeal to?  Existing clients for whom we have completed a Personal Financial Analysis & Plan in the last two years.  Please note that if changes to your financial situation are significant and/or more than two to three years have gone by since your last financial plan with us, it may be more appropriate to create a new plan instead of a quick update to an existing but old plan.    

      *available to current clients only

 

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