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.

Our Battle Born Promise

We always work in your best interest.
We will find you the best solutions based on information you provide.
We tell you the truth.

We care about you.
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