FINANCIAL PLANNING SERVICES
Here's what we offer, and what you'll pay. Refreshingly direct, isn't it?
Initial Comprehensive Financial Plan
By "comprehensive", we mean a plan that covers the following, as appropriate:
-
Long-term cash flow projections & Monte Carlo statistical analysis
-
How can you best get on track to live richly, rather than die poor -- or die rich?
-
What major changes in expenses and income do you need to anticipate?
-
-
Retirement transition planning
-
How can you maximize your chances for a smooth transition to retirement, optimizing investments, Social Security, Medicare, and (potentially) part-time income in order to avoid having to "un-retire" later?
-
-
Investment analysis
- What are the optimal amounts, the optimal accounts, the optimal investments, and the optimal level of risk for your particular situation and each particular goal, such that we don't leave money on the table?
-
Cash flow management
-
How can you set up an easily-maintained system for making sure your money goes where you want it to?
-
-
Tax planning
-
What are the optimal tax strategies for your situation?
-
When should you defer or accelerate taxable income, based on your long-term plan?
-
-
Employee benefits optimization, including employer stock benefits
-
How can you optimize your employer benefits?
-
How can you avoid taking undue risk with your employer stock, and/or leaving tax money on the table?
-
-
Insurance, including health, life, disability, and long-term care
-
What is the optimal amount of insurance for you -- not too much, and not too little?
-
-
College Planning
-
How can you optimize your college plan such that it balances flexibility, tax-efficiency, and risk/reward?
-
-
Debt and credit management
-
How much should you pay upfront for large purchases, and how much should you finance?
-
Which debts should you accelerate payment of, and which should you pay off as slowly as possible?
-
How can you continually optimize your credit score so as to be eligible for the lowest interest rates?
-
-
Estate planning
-
How can you best ensure that the right assets go to the right person at the right time -- especially since you have exactly one shot at getting it right?
-
This is how it works:
Pricing is as follows:
-
Initial charge for individuals: $1710 at engagement, and $1710 at initial plan delivery
-
Initial charge for families: $2050 at engagement, and $2050 at initial plan delivery
I've designed my planning from the ground up to put money back in your pocket, but I know talk is cheap. That's why we have a full plan guarantee; if you're not happy with the value you get from the initial financial plan, you can walk and get every dime back.
Initial Retirement-Only Plan
If you're looking for something less comprehensive, we can focus on a subset of the above:
-
Long-term cash flow projections & Monte Carlo statistical analysis
-
How can you best get on track to live richly, rather than die poor -- or die rich?
-
What major changes in expenses and income do you need to anticipate?
-
-
Retirement transition planning
-
How can you maximize your chances for a smooth transition to retirement, optimizing investments, Social Security, Medicare, and (potentially) part-time income in order to avoid having to "un-retire" later?
-
-
Investment analysis
-
What are the optimal amounts, the optimal accounts, the optimal investments, and the optimal level of risk for your particular situation and each particular goal, such that we don't leave money on the table?
-
-
6-month 30-minute followup meeting
-
What questions have come up during the execution of the plan?
-
The retirement planning flow is very similar to that of comprehensive financial planning:
Pricing is as follows:
-
Individuals: $1200 at engagement, and $1200 at plan delivery
-
Families: $1425 at engagement, and $1425 at plan delivery
Ongoing Comprehensive/Retirement Planning
Once you've got an initial comprehensive or retirement plan, where do you go next?
If you like, you can get an update of your plan at the frequency of your choice; the cost for a plan update is $220/hour.
Alternatively, you can engage in ongoing planning and investment management with Seaborn. Ongoing planning looks like this:
The price for ongoing planning is as follows (and is separate from the price for investment management), starting after the initial plan delivery:
-
Comprehensive planning: $245/month
-
Retirement-only planning: $175/month
Office Hours
If you just want someone to point you in the right direction, there's Office Hours:
-
90 minute, one-on-one meeting on the topic(s) of your choice
-
7 days of follow-up email to answer any questions not covered in the meeting
-
30-minute followup meeting, 3 months after the initial meeting
This is a great "jump start" if, for example, you're just starting out and you want a quick, high-level check on some of the topics above.
Pricing is as follows:
-
$560 at engagement