Hourly-Based Financial Planning
Advice... Pure and Simple
Hourly-based financial planning means objective advice that’s independent of where your assets are held. There are no commissions to be made and no ongoing percentage fees charged against your wealth. You simply pay for our time and expertise.
What makes hourly-based advice so appropriate is that we have no financial interest beyond the scope of work itself. This is especially valuable in situations where asset management is not needed or when financial incentives are otherwise in direct conflict with the most optimal advice.
With hourly-based planning, we show you everything you need to do, how and where to do it, and we see you through the entire implementation process. Sometimes this means a big picture analysis to organize a client’s entire financial life. Other times it’s topic-specific, like helping a young family establish a college savings plan or navigate employee benefits at a new company.
No matter your situation, we’re here to help.
Here’s how it works:
Step 1: Let's Chat
An introductory conversation gives us the chance to discuss what you’re looking for and determine if and how we can help. It’s free, it’s easy, and it can demystify a great deal of the financial planning process.
Step 2: The Proposal
If we agree to work together, we’ll provide you a proposal that outlines the scope of work to be completed and its cost. If it looks good you’ll sign it, return it to us, and we’ll get to work.
Step 3: Gathering Facts and Figures
We’ll work with you to gather all the relevant information we need. When necessary, we’ll provide a secure digital folder for sharing sensitive documents. We will also check in with you by phone or email to clarify questions that arise as we review your data.
Step 4: Analyzing Your Finances
We’ll take a deep dive into the goals you’ve laid out and analyze all that must occur to achieve them. It’s our job to find the optimal balance of the many decisions you face. This means building necessary spreadsheets, modeling hypothetical scenarios in our financial planning software, and collaborating with other professionals when necessary.
Step 5: Collaborating With You
At this point we’ve built the framework to your entire financial life in a clear and understandable format. We’ll walk you through your finances as they currently stand, discuss recommendations based upon our findings, compare different courses of action, and agree on strategies to move forward with. It’s like a case study in personal finance built entirely around you.
Step 6: The Written Plan
You’ll receive a written plan that summarizes our advice in plain English, organized by topic, and with concise reasoning to support our findings. Throughout your plan you’ll find interactive links to calculations, tables, and other supporting documents. It’s our intention to give you simple and to-the-point recommendations, but to also give you the ability to dig deeper to see exactly how we came up with our recommendations.
Step 7: Putting Your Plan in Motion
When it comes time to take action, we’ll be here to do all the hefty lifting or none whatsoever. It all depends on how hands on (or hands off) you prefer to be with your finances. If you’d like our help, we’ll work with you every step of the way. Otherwise we’ll give you an easy-to-follow guide that explains how to implement our recommendations.