Advice-only financial planners provide guidance and recommendations to clients without managing their assets or selling financial products like insurance and investment funds.

I am compensated solely for my time and advice, rather than commissions or a percentage of assets under management (AUM). This allows me to be completely independent and free from conflicts of interest.

Whether advice-only financial planning is right for you depends on your specific needs, preferences, and level of comfort with managing your own finances.

Advice-only financial planning is likely right for you if you want to be empowered to understand your finances and are comfortable implementing recommendations (with support if needed).

The cost of financial planning depends on the scope of work and the complexity of your financial situation. I charge from $90 an hour for financial coaching and $250 an hour for financial planning.

Project-based financial planning is available if you are interested in addressing a specific topic, such as education planning, debt reduction, or major purchases.

Financial coaching addresses how you are using your money on a day-to-day basis and how this aligns with your values. Understanding your cash flow, saving for an emergency fund and exploring your spending habits are common topics.

Financial planning is a deeper process that explores how your values and priorities shape your short and long-term financial decisions. It addresses both goals, as well as total financial health. Financial planning topics include net worth, cash flow, retirement planning, education planning, investments, insurance, and estate planning.

Absolutely! Financial planning addresses money as part of the fabric of our lives. As an advice-only planner, there are no minimums or investments needed to get started. An open mind and willingness to participate are all that are required.

In order to provide you with the best advice for your situation, I will ask you to discuss your personal and money values, provide financial documents to my secure vault and engage in meetings to discuss your situation and work on implementation of your financial plan.

Financial planning is an opportunity to have a knowledgeable decision partner help you make decisions that align your values and money decisions.

Understanding why and how you are using money can provide peace of mind and confidence that you are living a value-driven life.

Financial planning is a thorough check-up that provides peace of mind and the opportunity to build understanding and skills in aligning your money decisions with your values and goals.

Financial decisions are complex and it’s hard to understand the potential pros, cons, and long-term consequences of our financial decisions.

I can help you fill in those gaps and help you know what you don’t know, checking blindspots and increasing your financial confidence and knowledge.

I regularly help small business owners remove the stress and overwhelm of business finances by helping with cash flow management, budgeting, and financial projections to ensure operational stability and long-term growth.

Tax planning is a key service, helping business owners maximize deductions, manage estimated tax payments, and optimize their business structure for tax efficiency.

I can also help set up retirement plans like solo 401(k)s or SEP IRAs, creating strategies for both the owner’s retirement and employee benefits.

Health is one of the biggest variables in a financial plan.

• Enjoying good health can increase the need to plan for a longer life.

• Managing a chronic health issue can mean needing to take a reduction in work hours or a leave of absence for medical treatment or recovery.

I can help navigate the decisions about health, medical care and insurance so you can focus on taking care of yourself or your loved one.

Yes! Helping you pay off medical debt and plan for long-term care, upcoming medical expenses, and a healthy retirement is one of my passions.

I can help you navigate medical debt and plan for medical expenses—whether you’re saving up for an elective procedure, experiencing poor health unexpectedly, or anticipating the long-term care of a parent, child, or spouse.

We ALL deserve to be able to meet the healthcare needs of ourselves and our loved ones without experiencing hardship. I can help you recover from unexpected medical expenses and prepare for future healthcare costs.

I changed careers after many years as a physical therapist, so I’m very familiar with where you are at in your journey. Follow your passions! We will work together to make sure you’re financially prepared for the transition.