Don’t FSBO your financial plan — we’ll help you make the right financial decisions both now and in the future.

This is our core service for clients. We begin with an initial onboarding process and then we partner with you to implement your customized financial life plan, usually covering the following topics: 

  • Short- and long-term goal setting
  • Personal & business cash flow
  • Debt assessment
  • Risk management (insurance)
  • Employee benefits
  • Tax planning
  • Retirement planning
  • Investments
  • Estate planning

Full implementation takes approximately one year from the start of our engagement.

Preview our Client Engagement Standards here. 

Is this right for me?

If you have the ability to save at least 10-20% of your income, want to  minimize your tax bill by saving aggressively for retirement, or have a household net worth of approximately $500,000+, then this is for you. 

For REALTORS® and self-employed clients, comprehensive planning includes reviews of your tax return and business income, expenses, and tax deductions, thus ensuring that you are running your business efficiently. We do not prepare taxes, but we will coordinate closely with your tax preparer on any action items. Some clients choose to use our third party tax partner XY Tax Solutions for tax preparation; other clients use their own tax preparer.

After the onboarding process is complete, each client will receive a customized annual service calendar tailored to their unique financial planning needs. 

Annual comprehensive financial life planning fees are $7,500+ per year for most families. Fees are calculated per household based on household net worth and will be clearly communicated prior to onboarding. Investment management is included within our flat fees. We do not charge separate “assets under management” fees for comprehensive financial planning clients and we do not have a minimum account size.

We only receive compensation from clients. We do not sell any products or engage in referrals that provide commissions or other compensation.

After our free initial consultation, we schedule a 90-minute discovery meeting. Prior to this meeting, you will receive “homework” to gather financial documents. During this meeting, we will deliver a short action plan and high-level analysis of your situation. You may also use this time to “ask a financial planner anything”.  The fee for the Discovery meeting is $750.

After the Discovery meeting, clients can choose to convert to ongoing financial planning with Real Estate Wealth Planning, or you can choose to self-implement (DIY) the actions we discussed in our Discovery meeting. 

There are no contracts, but clients should understand that a comprehensive financial plan takes about one year to initially implement. Our goal is to provide clients with value from financial planning that exceeds the fees paid. We will happily provide a refund to clients that do not perceive value.

Review our Documents page for more information.

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Fee schedule is determined by household net worth, rounded down to the nearest $100,000. 

For example, a client with a household net worth of $1,575,000 will have their net worth rounded down to $1.5M, which is within the $10,000 annual advisory fee level. We do not have a minimum investment account size.

Net Worth

Annual Advisory Fee

$0 – $1,000,000

$7,500

$1,000,001 – $1,500,000

$10,000

$1,500,001 – $2,000,000

$12,000

$2,000,001 +

0.60% x Net Worth

For prospective clients, we begin with data-gathering and a 90-minute discovery meeting, for a flat fee of $750. Prior to this meeting, you will receive “homework” to gather financial documents. During this meeting, we will deliver a short action plan and high-level analysis of your situation. You may also use this time to “ask a financial planner anything”. 

After the Discovery meeting, clients can choose to convert to ongoing financial planning if the client does not want to self-implement (DIY). Discovery meeting fees will be applied to the first client bill, and we will discuss if this is appropriate during our initial consultation.

There are no contracts, but clients should understand that a comprehensive financial plan takes about one year to initially implement. Our goal is to provide clients with value from financial planning that exceeds the fees paid. We will happily provide a refund to clients that do not perceive value.

Review our Documents page for more information.