We are currently accepting clients for Spring 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.
All services are provided over Zoom video conference or phone call.
If you're starting to have questions about your finances, let's talk about it.
All of our engagements begin with a free 30-60 minute introductory chat over Zoom where we 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 Spring Schedule. Each private and personalized Zoom meeting is set to a fixed period of time to provide structure and accountability.
All of April...........Plan Prep
May 2nd...............Meeting #1: Goals & Expectations
May 9th................Meeting #2: Spending Plan
May 16th.............Meeting #3: Investment & Precautions
May 23rd............Meeting #4: Action Plan
May 30th.............Onboarding Ongoing Planning (if applicable)
Plan Prep Meeting with Jesse
We will have received a checklist to get ready for the financial plan after signing . We then meet to check in on your progress and walk you through next steps.
Core Meeting #1: Goals & Expectations with Landon
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: Spending Plan with Landon
We make a formal budget for now, and one for hard times. We analyze your spending in detail and help you get accurate. We discuss what matters to you and how you live.
Core Meeting #3: Investments with Landon and Jesse
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: Action Plan with Landon
We 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 with Jesse
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 fee is $5,000. We provide a sliding scale fee determined by your income and net wealth down to $1,200. (We'll send you an exact quote after booking.)
To give you a rough sense, a student with more debt than assets would fall toward the bottom of the sliding scale. A homeowner with six-figure income and investment assets would likely fall toward the top.
Ok I coded this calculator myself... it works but it's a little fragile, so **don't use commas or spaces**
After we have mapped out your journey in the initial financial plan, we can walk the path with you in continued support.
In the first year, we help you to actually take action on the recommendations outlined in your financial plan.
As your financial life changes shape, our job is to proactively advise you on opportunities and risks. We help you expand your knowledge and stay informed.
We meet via Zoom 2-3 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 desire professional investment management, we open accounts, manage your portfolio, and trade on your behalf.
We also filter your portfolio with environment, social, and governance (ESG) metrics. By monitoring and researching your investments, we help you align your money with your values.
Clients are welcome to manage their own investments separately and work with me primarily to track and advise on financial goals.
Continued support is billed on a sliding scale fee determined by your assets and income. The ongoing advisory relationship, including asset management, will cost at minimum $1,200/year and caps at $25,000/year.
To give you a rough sense, a student with more debt than assets would fall toward the bottom of the sliding scale. A family with income and wealth over five million dollars would pay the capped maximum.
“Is it for me?”
First of all, everyone is welcome.
Most of our 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.
Query Capital may be the right place 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.
We work together to address all of your financial questions. Here are some of the things we cover:
Full Review of Financial Situation
Relationship to Money
Asset Allocation and Risk Tolerance
Analysis of Student Loans & Consumer Debt
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
Self-Employed Retirement Accounts
Kids & Money
College planning, 529 Plans
Diversified, Values-Based Investment Management
Preparing for and reviewing your home ownership
Intergenerational Wealth Redistribution & Philanthropy
Fully Customized Investing with Option to Analyze Client Stock Interests