Two ways to work together

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Every engagement is fee-only, and you agree to our flat fee before any work begins.

What we charge is never a percentage of your assets, never a commission, never a product sale.

From there it's a choice between two engagements: a one-time plan you take and implement yourself, or an ongoing relationship where we keep the plan current. 

Financial planning starts with where you are today and where you want to go, then maps the path between. We build you a written plan that looks at your whole picture, because every decision touches the others. Together we choose which areas to focus on, drawing from: 

• Cash flow and debt management
• Investment planning
• Risk management and insurance
• Tax planning
• Retirement planning
• Education funding
• Estate planning
• Building and protecting net worth

• As a project (Project-Based Financial Planning): a one-time written plan, limited to the areas we agree on in writing before work begins, offered as a Foundations Plan or a Retirement Transition Plan. You take it and implement it on your own. 

• As an ongoing relationship (Ongoing Financial Planning): we keep your plan current as life changes, meet regularly, and stay available in between. Best when you want a planner in your corner over time.