“Financial planning involves looking at a client's entire financial picture and advising them on how to achieve their short- and long-term financial goals." (CFP® Board). This can be like working with an architect to design a financial blueprint. A good financial planner will clarify your goals and timelines, take a comprehensive view of your current situation, and determine if you're on track to reach your goals. Using a collaborative process, along with data driven feedback, Certified Financial Planners™ help to maximize the probability of reaching your goals while simultaneously minimizing risks. With a formal plan you'll be equipped to confidently implement optimal financial strategies.

"A process informed by both therapeutic and financial competencies that helps people think, feel, communicate, and behave differently with money to improve overall well-being." (Financial Therapy Association). I recognize that money is emotional. Having a formal financial plan is enough for some, but many people need to approach financial conversations from a more therapeutic perspective. Financial therapy starts with your feelings and financial psychology because knowing what to do vs taking action, are two different things. I work with clients at the intersection of planner + therapist + coach in order to encourage and ultimately drive progress toward your goals.

Collaboratively! Ongoing communication is critical since this work can't be done behind a spreadsheet. Together we'll start with a conversation then use a secure planning platform (RightCapital) to get organized (link accounts, budgeting, cashflow, etc.) and then we'll build, revise, and tweak your plan until we're settled on your best path forward. We'll determine the best cadence for meetings, mode(s) of communication, and schedule regular check-ins to ensure that we're making consistent progress.

It depends on your situation, needs, and preferences. Many clients like to check-in monthly while others prefer bi-weekly or quarterly. While I don't limit client interactions, I do cap the number of clients I advise at any one time to ensure my availability for each individual client or household.

Investments: Yes. I do manage investments for many of the clients I work with. Tax Filing: No. I am not a CPA (or enrolled agent) with the IRS so I do not file client taxes. Where investments and taxation intersect, I can certainly answer your questions and provide proactive advice. I've also vetted several solid CPA's, tax attorneys, and business tax advisors which I refer clients to depending on their situation.