Financial life planning is an ongoing process that involves setting clear goals and coordinating your entire financial life to maximize your chances of success. It involves cash flow planning, investing, debt management, risk management, tax planning and estate planning.

Proper planning will require a time commitment from you as well as me. Good communication and collaboration are critical for our success.

I believe in a disciplined long-term investment approach. I do not believe in timing the market or strategies that attempt to guess the short-term direction of the markets.

I run a solo practice and intend to stay that way. You can expect to speak and work directly with me for the duration of our engagement.

I will help you analyze your entire financial life and create a plan that fits your goals, priorities and resources. We will recalibrate the plan continuously as things change to keep you on your best path. Usually 2x a year.

I will make implementing the plan as simple as possible. You will leave every planning / recalibration meeting with clear actions steps, and you will have 24/7 online access to WealthVision where you manage and track all your finances, your plan’s next steps, and your progress towards your goals.

I will always act in your best interest as a Fiduciary when providing financial advice and put your needs and goals first. See CFP Board’s Code of Ethics and Standards of Conduct for more detail.

I will keep all the information you share with me safe and confidential. The software I use has advanced security features to protect your data. I will only share your data for ordinary business purposes with your consent or as required by law.

I will respond to texts and phone calls within 1 business day and emails within 2 business days. 

I will be flexible and try to accommodate your schedule when setting meetings. I use an online scheduler where you can view my calendar and book a time that works for you. I’m available during business hours and limited times on Tuesday and Wednesday evenings.

Your subscription fee is based on the complexity of your needs. It ranges from $150 - $500 a month and covers all financial advice and planning services. The fee is set for 12 months and then recalibrated to adjust to any changes in complexity.

If you would like me to directly manage your investments (optional), the annual fee is 0.5% of the assets under management (e.g. a $100,000 portfolio would cost $500 a year).

You understand and are willing to participate in the financial planning process described above on a continuing basis. The data coming out of the planning process will only be as good as the data going in, so providing complete and accurate information on all aspects of your financial life is key to our success.

You understand that any final decisions regarding the plan and the implementation of the plan are your responsibility. My job is to help you understand all your options and all the strategies available, but only you can choose the plan that’s right for you and follow it.

You understand and agree with the investment philosophy described above and do not expect to receive short-term trading advice on the latest “hot” investment.

You will be responsive to emails and phone calls within a reasonable period of time. You will provide requested data and documents within a reasonable period of time.

You are comfortable meeting virtually, using digital planning tools and receiving & signing documents electronically.

You agree that our relationship needs to be reevaluated if we ever stop enjoying, valuing or respecting one another.