We are currently accepting clients for Winter 2023 financial plans. Book an info chat to learn more. 

Financial Planning Services

You deserve clarity on your circumstances, alignment with your values, and a vision for your future.

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All services are provided over Zoom video conference or phone call. 

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Introductory chat

 

If you're starting to have questions about your finances, let's talk about it. 

All of my engagements begin with a free 30-60 minute introductory chat over Zoom where I learn about you and what you're looking for. Book this conversation in my online scheduler to get the ball rolling. 

There is no charge for our introductory chat. 

Initial Financial Plan

Working with me begins with the creation of your financial plan.

 

A financial plan is a written document of your financial situation and strategy for your financial future. But the clarifying discovery process that we go through to create it is just as important as the takeaway.

We are currently accepting new engagements on our Winter Schedule. Each private and personalized Zoom meeting is set to a fixed period of time to provide structure and accountability. 

All of January....................Document Orientation

February 14th - 23rd.........Meeting #1: Goals

February 28th - Mar 9th...Meeting #2: Budget

March 14th - 23rd.............Meeting #3: Investment & Emergency

March 28th - April 6th......Meeting #4: Recommendations & Implementation

April 11th - 20th...............Onboarding Ongoing Planning (if applicable)


Document Orientation

With my colleague Jesse Gerstin, you gather documents that describe your finances in detail. Jesse then meets with you to walk through the list so you don't get lost.  


Core Meeting #1: Goals

What do you want to do in this life? What are we planning for?  Let's come up with numbers and years for the goals you want to reach. 

Core Meeting #2: Budget 

We make a formal budget for now, and one for hard times. I analyze your spending in detail and help you get accurate. We discuss what matters to you and how you live. 


Core Meeting #3: Investment & Emergency 

We talk about your investment objectives and the financial and ethical implications of different types of investing. We also discuss your preparedness for physical or financial risks. 


Core Meeting #4: Recommendations & Implementation 

I provide actionable recommendations and we discuss how you'll take action. You'll also receive a written summary with your financial projections. We reflect on our work together and decide if you'd like to continue on as an ongoing client. 

Onboarding Ongoing Planning: 

If you have decided to sign on for ongoing financial planning, we use this period to sign paperwork, open accounts, and set expectations for our long-term work. See more below in "Continued Support". 

The initial financial plan is a sliding scale fee determined by your income, net worth, and complexity of your finances. $1200-$5000. 

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Continued support

After we have mapped out your journey in the initial financial plan, I can walk the path with you in continued support.

 

In the first year, I help you to actually take action on the recommendations outlined in your financial plan.

 

As your financial life changes shape, my job is to proactively advise you on opportunities and risks. I help you expand your knowledge and stay informed. 

We meet via Zoom 3 times a year to create a space for you to focus in on your money. You have someone to call if a financial question stumps you. 

For clients who choose the full service track with professional investment management, I open accounts, manage your portfolio, and trade on your behalf. 

 

I also steer your portfolio towards metrics of environment, sustainability, and governance. By monitoring and researching your investments, I help you align your money with your values.

Clients who prefer to manage their investment accounts elsewhere may still access service through a financial planning only track. In this scenario, we track your financial goals with the assumption that no investment advice will be needed. 

Continued support is billed on a sliding scale fee determined by your income, net worth, investment needs, and the complexity of your finances. It starts as low as $100/month. 

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“Is it for me?”

Clients

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First of all, everyone is welcome.

Most of my clients are in their late 20s to early 40s and starting to have some money to worry about. Many don't relate to the typical image of a finance person because they are queer, trans, people of color, or from a working class background. They want to be successful but don't want to sell their souls in the process. 

I may be the right financial planner for you if:

1. You have unanswered questions
about what to do about your finances and choices to make.

2. You want to show up with your whole self and explore your relationship to money. 

3. You are able to initially commit about 10 hours to preparation, email, and meeting time as we work collaboratively to create your financial plan. 

4. You want to learn, value professional guidance, and want to delegate some of the work of managing your financial life.

 

Topics

We work together to address all of your financial questions. Here are some of the things we cover: 
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  • Full Review of Financial Situation

  • Relationship to Money

  • Financial Education

  • Income Strategy

  • Employee Benefits

  • Retirement Savings

  • Investment Accounts

  • Asset Allocation and Risk Tolerance

  • Insurance Review

  • Analysis of Student Loans & Consumer Debt

  • Credit Review

  • Education on Public Service Loan Forgiveness

  • Short, Medium, and Long-Term Goals

  • Cheerleading and Accountability

  • Stock Compensation (i.e. ISOs, NQSO, ESPP, RSUs)

  • Roth Conversion Strategy

  • Tax Strategy

  • Business Ownership

  • Self-Employed Retirement Accounts

  • Couples Finances

  • Kids & Money

  • College planning, 529 Plans

  • Diversified, Values-Based Investment Management 

  • Preparing for and reviewing your home ownership

  • Estate Planning 

  • Intergenerational Wealth Redistribution & Philanthropy

  • Separate Accounts

  • Trust Planning

  • Fully Customized Investing with Option to Analyze Client Stock Interests