Services
Six kinds of planning, one advisor and one flat fee.
- Fee
- Flat, never a percentage
- First meeting
- Free · 45 min
- Minimum
- None
- 01
Financial planning
Cash flow, goals and the monthly number
- Where every dollar goes each month
- Emergency fund and debt order
- Goals priced and dated
- 02
Investments
Low-cost portfolios we rebalance for you
- Allocation set by your plan, not a product
- Index funds, rebalanced quarterly
- One report, every account
- 03
Tax planning
Keep more of what you earn and sell
- Roth conversions and account order
- Harvesting losses and gains
- Giving that lowers your bill
- 04
Retirement
The date you can stop, and the income after
- Social Security and pension timing
- A paycheck from your savings
- Spending that lasts past 95
- 05
Estate & family
What happens next, written down
- Wills, trusts and beneficiaries
- Gifts to children and grandchildren
- One folder your family can find
- 06
Insurance
Cover what would break the plan
- Life and disability, sized right
- Long-term care options
- No policies sold — advice only
How it works
You always know what happens next, who is doing it and what it costs.
Start with step one- 01
A free plan review
45 minutes on video. Bring your questions and a rough idea of your accounts — we'll tell you honestly if we can help.
Week 1 - 02
Your written plan
We gather the numbers and hand you a plan you can read in ten minutes, with the three moves that matter most.
Weeks 2–3 - 03
We put it to work
Accounts opened or moved, investments set, tax moves booked. You approve every step.
Week 4 - 04
A check-in every quarter
Markets move and life happens. Four times a year we update the plan and the list.
Every 3 months
Your first step
Forty-five minutes on video with an advisor. You leave with three things to do next — whether or not you hire us.
- ✓Free, no obligation
- ✓An advisor, never a salesperson
- ✓Three next steps, in writing
Pick a time
You'll talk to Helena Marsh, CFP®