Ongoing Financial Planning Services

Ongoing Financial Planning Services

My ongoing financial planning services are always personalized to your unique goals, circumstances, and values. As a CFP®, I bring a comprehensive understanding of financial planning, ensuring that every aspect of your plan is thoughtfully designed to meet your needs.

While every plan is different, the areas below are commonly included. I take a holistic approach, considering everything from retirement planning to tax strategy, and adapting as your life evolves.

Depending on your situation, I may incorporate additional services to ensure your plan continues to fit your life and supports your long-term goals.

    • Develop a clear plan for how to use surplus cash (save, invest, pay down debt, etc.)

    • Access to Monarch Money to track spending and align your finances with your goals

    • Student loans: Evaluate repayment options, forgiveness programs, and refinancing opportunities

    • Mortgages: Assess affordability, refinancing strategies, and how home equity fits into your plan

    • Credit cards and personal loans: Prioritize payoff strategies and optimize interest savings

    • Debt within your bigger picture: Ensure your debt decisions support your long-term goals

    • Review your workplace retirement plans to ensure you're making the most of available retirement accounts

    • Evaluate and assist with backdoor Roth IRA contributions (if appropriate), including guidance on the two-step process and tax considerations

    • Track your overall retirement savings rate to confirm you're on pace and help you maximize annual contributions

    • Assist with RMD (Required Minimum Distribution) and Social Security calculations and strategies

    • Evaluate your existing policies to identify gaps, overlaps, or unnecessary coverage

    • Determine if additional insurance makes sense for your situation and provide referrals, if necessary

    • Evaluate and optimize your benefits package, including retirement plans, health, dental, life, and disability insurance, and HSAs / FSAs

    • Guide you through open enrollment and ensure your choices align with your financial goals

    • Review potential job offers to assess and optimize the benefits package

    • Evaluate tax strategies including pre-tax vs. Roth 401(k), charitable gifting, asset location, and tax-efficient investments

    • Implement strategies such as tax-loss harvesting and optimizing retirement account contributions

    • Provide referrals to trusted tax professionals for tax preparation and additional advice as needed

    • Run projections to determine the monthly savings needed for a fully funded 4-year degree

    • Review any existing 529 plans to ensure they remain the best option

    • Explore alternative savings strategies

    • Review existing estate plan, including wills, trusts, and beneficiary designations

    • Provide referrals to trusted estate planning attorneys for legal support

    • Determine a target asset allocation (stocks, bonds, alternatives) tailored to your goals and risk tolerance*

    *Asset selection (e.g. individual stocks. bonds, ETFs) is not included for one time plans and ongoing financial planning clients. You will receive a high level asset allocation (e.g. 60% US stocks, 15% international stocks, 10% bonds, 5% cash).

    • Bi-annual check-ins to ensure your financial plan stays aligned with your goals

    • Quarterly planning themes focused on key areas like taxes, insurance, retirement, and more

    • Proactive outreach to address new needs, opportunities, or life changes

    • Ongoing access to your advisor: reach out anytime by email, phone, or video call with questions, big or small

Ongoing Financial Planning Price