Plan Smart

Clear, flat-fee financial planning tailored to your needs.

What Every Engagement Includes

• Up to two planning meetings

• Written action steps and recommendations

• 12 months of RightCapital access

• No product sales or obligation to continue

Ongoing Relationships (Optional)

Many clients choose to reconnect for:

• Annual plan checkups

• One‑time strategy consultations

• Investment management (AUM), when appropriate

Those conversations only happen after value is delivered.

Budgeting & Debt Optimization Plan

Best for: Middle‑class households, variable income, small business owners

What It Solves

• “Where is the money going?”

• Credit card / personal loan stress

• Inconsistent income planning

Scope

• Income smoothing strategy

• Zero‑based or values‑based budget

• Debt waterfall or avalanche analysis

• Cash reserve targets

• Automation recommendations

• RightCapital cash flow tracking setup

Meetings

• Meeting 1: Cash flow + debt mapping

• Meeting 2: Strategy + system setup

Price

• $750 – $1,000

Financial Checkup & Course Correction

Best for: New clients, self‑employed, people who “know something’s off”

What It Solves

• Cash flow leaks

• Bad defaults

• Missed planning opportunities

Scope

• Budget & cash flow review

• Debt strategy overview

• Retirement direction check

• Investment allocation sanity check

• Risk & insurance gaps (high level)

• Priority action list (top 5 moves)

Meetings

• Meeting 1: Discovery + problem identification

• Meeting 2: Recommendations + action plan

Price

• $1,200 – $1,500

Retirement Readiness Blueprint

Best for: Ages ~50–70, W2‑optional, retiring business owners

What It Solves

• “Can I retire?”

• Income sequencing anxiety

• Social Security confusion

Scope

• Retirement timeline modeling

• Withdrawal strategy discussion

• Tax‑aware income planning (high level)

• Required savings / spending adjustments

Meetings

• Meeting 1: Goals + modeling assumptions

• Meeting 2: Retirement plan delivery

Price

• $1,500 – $2,000

Best for: Single‑owner businesses, consultants, trades, professionals

What It Solves

• Blurred personal vs business finances

• Inefficient compensation

• No exit readiness

Scope

• Owner pay strategy overview

• Tax‑aware savings prioritization (coordination, not filing)

• Retirement plan strategy (Solo 401k, SEP, etc.)

• Business cash flow stress testing

• Personal plan alignment

Meetings

• Meeting 1: Business + personal integration

• Meeting 2: Strategy + next steps

Price

• $1,500 – $2,500

Business Owner Financial Strategy

Portfolio Review & Second Opinion

Best for: DIY investors, 401(k) heavy clients

What It Solves

• Overconfidence or under‑diversification

• Cost and tax inefficiency

Scope

• Asset allocation review

• Risk alignment

• Cost & tax drag analysis

• Rebalancing guidance

• “What I’d change and why” summary

Meetings

• One extended meeting OR two shorter meetings

Price

• $500 – $1,000

Best for: Low-income or early planners

What It Solves

• Debt pay-off planning

• Financial wellness

Scope

• Debt Review

• Budgeting

• Insurance review

Meetings

• One extended meeting

Price

• $0

Pro Bono Financial Planning

How to Choose the Right Planning Service

Choose a Financial Checkup if:

· You want a professional second opinion on your finances

· Something feels off but you are not sure what

· You want clear priorities rather than a full overhaul

Choose Budgeting & Debt Optimization if:

· Your income varies month to month

· Debt feels stressful or disorganized

· You want a system you can realistically maintain

Choose the Retirement Readiness Blueprint if:

· You are within roughly ten years of retirement

· Social Security decisions feel unclear

· You want confidence in your retirement plan

Choose the Business Owner Strategy if:

· You own a business or are self-employed

· Personal and business finances overlap

· You want more tax-aware planning

Choose a Portfolio Review if:

· You manage your own investments

· You want professional validation or reassurance

· You are considering changes but want clarity first

If you’re unsure where to start, we will help you choose the engagement that best fits your needs.