Is this a full plan, or just a few recommendations?

A full plan covering every area above that applies to you.

What if I'm not ready to sign up after the discovery meeting?

Both introductory meetings have no fee, with no agreement required.

Do both spouses need to be involved?

Yes, ideally: both spouses should understand the shared decisions.

What if questions come up when my plan is done?

Your action items stand on their own. For further help, Ongoing Planning helps put your plan into action and keeps it current.

Is tax preparation included?

Tax planning is included; tax preparation is not. It's offered separately by Step By Step Tax Solutions, LLC, a separate firm also owned by Kevin, under its own engagement letter. It's optional, and many of our clients keep their own tax preparer.

I have a deadline coming up. Can you help in time?

Tell Kevin about your deadline before you sign up. Documents are normally due within seven days, but if you send them within five business days of signing, Kevin will address that decision first. He can't guarantee completion before a deadline someone else sets.

An open notebook, pen, and cup of coffee on a wooden table in warm light.

Clear answers and a written plan, built around your questions.

One flat fee of $4,000. No accounts to move and no long-term commitment.

Schedule Your Initial Call

What you don't have to do

Move your money. With Financial Planning, there's nothing to transfer.
Sign a long-term contract. It's a one-time engagement.
Meet an asset minimum. There isn't one.
Buy a product. We don't sell products or earn commissions.
Prepare for the Initial Call. Just bring your questions.
Pay it all up front. Three installments, with a full refund within five business days of signing.

Schedule Your Initial Call

What your plan covers

Coverage depends on your household:

Retirement income: retirement timing, spending, market stress tests, and withdrawal order.
Taxes: multi-year projections, Roth conversions, capital gains, RSUs, stock options, and deferred compensation.
Social Security and Medicare: claiming ages, enrollment timing, and income-related premiums.
Investments: current holdings, recommended mix, account placement, and transition steps with tax costs.
Insurance: life, disability, long-term care, and liability coverage.
Estate: wills, trusts, powers of attorney, beneficiaries, and attorney referrals.
Charitable giving: tax-efficient giving.
Business owners: business effects on personal finances, not planning for the business itself.

Your most pressing decisions get the most attention.

What you'll receive in writing

Plan at a Glance. One page with your bottom line and two or three priority decisions.
What We Found. Your biggest opportunities, with estimated effects and assumptions where possible. These are estimates, not guarantees.
Your Written Plan. Your numbers, alternatives, assumptions, and recommendations.
Your Action Items. Prioritized steps with instructions and suggested completion dates.
Where Things Stand. A final one-page summary: completed steps, open items, and next actions.

What a recommendation looks like

Illustration only. Every recommendation depends on your own situation.

The question: Should we convert part of our IRAs to Roth after we retire?
Our recommendation: Convert annually after retirement within a target tax bracket; reassess each fall.
What it does: Pay tax now for smaller required withdrawals later. Lifetime savings depend on future tax rates and longevity.
Action item: Make the first conversion, with a suggested completion date.

How it works

Planning begins at signup, with four planning meetings led by Kevin: your plan presentation and three working meetings.

See each step in detail

What it costs

One flat fee of $4,000 per household for 90 days.

$2,000 when you sign up
$1,000 at 30 days
$1,000 at 60 days

You authorize all three ACH payments at signup. If you change your mind within five business days of signing, you get a full refund.

Payment details

What you stay in control of

Send your documents within seven days of signing, attend your meetings, and act on the steps you choose.

Financial Planning: a written plan built around your questions, for one flat fee. You keep your accounts where they are and act on the plan yourself.

You don't move any accounts. We don't trade or manage investments during Financial Planning.
You set the pace. Action dates are suggestions, not deadlines.
Investment management is part of Ongoing Planning, a separate service under its own agreement.

For Ongoing Planning: Accounts held elsewhere move to Fidelity, and we help with the transfer.

When your plan is done

The plan is yours to keep.

Continue independently or choose Ongoing Planning for implementation help, plan updates, and investment management.

No further service is required.

How Ongoing Planning works

Kevin Jacobs, CFP®, leads every planning meeting.

We are a fiduciary, required to act in your best interest. We are also fee-only: our advisory fees are paid by our clients, and we don't earn commissions.

Meet our team

Common questions about the planning service

Estimates and projections in a financial plan are based on assumptions that may not occur. They are not guarantees.

How to get started

Discuss your most pressing financial questions with Kevin.

Schedule Your Initial Call

30 minutes, by phone or video. No fee, no obligation, and nothing to prepare.