Our Create & Navigate Your Path Service Is a comprehensive ongoing financial planning service, which includes a complete financial plan that incorporates all of the following areas:
Defining Your Goals – “Your Why”
- Clarify what matters most to you—your values, priorities, and vision for the future
- Establish meaningful short- and long-term financial goals
- Align your financial plan with your purpose and lifestyle needs
Cash Flow & Budgeting
- Create a budget that supports your savings and debt reduction goals
- Ensure your lifestyle is sustainable now and in retirement
Estate Planning
- Review wills, trusts, powers of attorney, and beneficiary designations
- Ensure your assets are protected and distributed according to your wishes
- Coordinate with estate attorneys as needed
College Planning
- Estimate future education costs for children or grandchildren
- Explore savings options like 529 plans and Coverdell ESAs
- Balance education funding with your own retirement priorities
Insurance Analysis
- Review current policies (life, health, disability, long-term care)
- Identify gaps in coverage and avoid unnecessary overlap
- Make sure your insurance strategy protects your income and assets
Retirement & FERS Planning
- Project retirement income under FERS, including your pension, TSP, and Social Security
- Evaluate your MRA, pension supplement, and FEHB eligibility
- Create a sustainable TSP withdrawal strategy to ensure you don’t run out of money in retirement
- Optimize your federal benefits to support long-term financial independence
Debt Management
- Review all outstanding debt, including mortgages, credit cards, and loans
- Prioritize and implement effective repayment strategies
- Integrate debt payoff into your broader financial plan
TSP & Investments Analysis
- Assess current TSP and other investment accounts for risk and allocation
- Ensure your portfolio aligns with your goals and time horizon
- Provide guidance on Roth vs. Traditional TSP and withdrawal strategies
Tax Planning
- Identify opportunities to reduce current and future tax liabilities
- Coordinate investment, retirement, and income strategies with tax efficiency
- Plan proactively for tax-impacting events (Roth conversions, RMDs, etc.)
Who Is This For?
This service is ideal if you not only want a comprehensive financial plan, but also value hands-on support with implementation and ongoing guidance as your life evolves. It’s especially helpful for those transitioning into retirement who want clarity, structure, and confidence in their next chapter.
Cost
We use a simple subscription model, which includes ongoing financial planning and investment management. Our current fee is $2,700 per year for individuals, split up into equal monthly payments of $225; or $3,420 a year for couples, split into equal monthly payments of $285. There is also a one-time upfront fee of $1,500 for individuals or $1,800 for couples.
- Fees may be increased and are based on the complexity of your financial situation.
$1,500 Upfront Fee ($1,800 for couples)
Plus
$225 Monthly Fee (Individuals)
$285 Monthly Fee (Couples)
Our Process
This service is delivered in two key phases:
Phase 1: Create Your Path
We’ll build your comprehensive financial plan over the course of five focused meetings, typically spread across a few months. This phase is all about gaining clarity, setting goals, and designing a personalized strategy.
Phase 2: Navigate Your Path
Once your plan is in place, we’ll move into implementation. In this ongoing phase, we guide you through putting your plan into action, manage your investments, and provide continuous support to help you adapt as life changes.
Investment Management Service
We help you create an investment portfolio that is aligned with your needs and goals and we adjust it for you as conditions change. Our investment strategy is focused on maximizing your chances of accomplishing your goals. Our three key principles:
- Keep Costs Low: The best predictor of future returns is the cost of your investments. For that reason, we build our portfolios using low-cost index funds.
- Own Tax-Efficient Investments: We create portfolios with “low turnover.” Every time an investment is bought or sold (i.e. “turned over”), costs are incurred.
- Own the Right Asset Classes: We build a diversified portfolio of asset classes tailored to meeting your goals, not beating the market, which allows us to limit your portfolio risk.
Ready To Talk?
These consultations are exclusively for individuals seeking a comprehensive financial plan. If you’re interested in an hourly consultation or a Retirement Check-Up, please refer to that specific service section for more details.
Not Ready To Talk Just Yet?
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