Fees
There are three ways to work together. The right one depends on how much of the planning you want to do yourself.
I'll tell you up front that I think ongoing planning is the best of the three. Most of the decisions worth getting right haven't happened to you yet. It’s also the one that pays me the most, so weigh that accordingly.
Ongoing Financial Planning
We start with a full look at where you are — everything, not just the investments. Then we meet through the year and work the plan a piece at a time.
Spreading it out is the point. You're not absorbing a forty-page plan in one sitting, and when something changes — a job, a baby, a parent who needs help — I'm already in the room.
Month to month. Cancel with thirty days' notice.
"For people who want a partner year-round."
Project Based Planning
"For one big decision, done thoroughly."
The same comprehensive plan, delivered once. You get the analysis, the recommendations, and the reasoning behind them, and you take it from there.
This is the one for people who like doing it themselves and want a second set of eyes that knows where to look.
Fixed fee, agreed before any work starts. Half up front, half when it's done.
Hourly
For a specific question with a clear edge to it. Pension or lump sum. Whether this is the year to convert. Bring me the question and we'll work it.
The honest limit: an hour is enough for a decision, not for a plan. If yours turns out to be bigger than it looked, I'll tell you before the meter runs.
"For a specific question."