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 CallWhat 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.
The questions we help you answer
If you're approaching or in retirement:
- Can I retire now?
- How much can I spend each year?
- When should I claim Social Security?
If you're a high earner, still working:
- Should I sell some of my company stock?
- Can I retire at 55?
- Should I make Roth conversions?
If you're taking charge of the household's money:
- What do I own, and where is it?
- What needs attention first?
- Am I on track for retirement?
A Roth conversion can affect taxes, Medicare premiums, and your heirs. Your plan weighs those tradeoffs together.
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
Your planning engagement begins at signup, with four planning meetings led by Kevin: your plan presentation and three working meetings.
See each step in detailWhat 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 detailsWhat you stay in control of
Your part is simple: send your documents within seven days of signing, come to your meetings, and act on the steps you choose.
Financial Planning: a one-time written plan for one flat fee. You keep your accounts where they are and carry out 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 a separate service. Ongoing Planning: we manage your investments at Fidelity and keep your plan current, for an annual fee based on the assets we manage. Accounts held elsewhere move to Fidelity, and we help with the transfer. It requires its own agreement.
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 ongoing service is required.
How Ongoing Planning worksWho you'll work with
Kevin Jacobs, CFP®, leads planning, supported by Kelly Payne, FPQP™, and Donella Jacobs. 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 teamCommon questions about the planning service
How to get started
Talk with Kevin about your most pressing financial questions.
Schedule Your Initial Call30 minutes, by phone or video. No fee, no obligation, and nothing to prepare.