The core program
Financial Freedom Planning
Financial Freedom Planning is a two-step engagement with a CFP®. Step one is a 60–90 day planning process that ends with a written Financial Freedom Roadmap. Step two is an ongoing planning relationship with at least two meetings a year. Investment management is available alongside either, and is optional.
It is built for one situation in particular: a household earning well, with income arriving from more than one direction, and no single place where the whole picture exists. The goals are stated plainly:
- Turn hybrid W2 and 1099 income into a tax-efficient plan
- Coordinate taxes and investments instead of treating them separately
- Move from uncertainty to a structured, realistic path to financial freedom
The engagement
Three steps, each with its own price
- 1
Initial Planning Engagement
60–90 days
$1,500 – $4,000
for the initial engagement, depending on complexity
What’s included
- Goal clarification
- Income and benefits review
- Cash flow analysis
- Monthly savings targets
- Account review
- Risk assessment
- Delivery of your Financial Freedom Roadmap
- 2
Ongoing Financial Planning & Advice
Continuing
$1,500 – $4,000
per year, based on complexity. Billed quarterly.
What’s included
- At least 2 planning meetings per year
- 4–6 points of communication per year
- Ongoing coordination of taxes and investments
- Plan revisions as your life changes
- 3
Investment Management
Optional1.00% – 1.75%
of assets under management, generally. Third-party managed.
What’s included
- Third-party portfolio management
- Coordinated with your written plan
- Available alongside either step above
The deliverable
The Financial Freedom Roadmap
The initial engagement produces a document. That matters more than it sounds: the single most common thing her clients arrive without is a place where the whole picture is written down in one consistent form.
What goes into it is set out in step one above — goals, the income and benefits picture, cash flow, savings targets, an account review and a risk assessment. What comes out is a structured, realistic path rather than a stack of statements and a feeling.
Who this fits
- Individuals or couples ages 40–60
- Household income of $150,000+ — most clients are in the $250,000–$400,000 range
- Hybrid income: you earn both W2 and 1099 income
- Able and willing to commit at least a few hundred dollars per month — often $500–$750+
- You want to delegate complexity and work with a CFP®
And if you don’t
“We gladly accept referrals from our clients for their family, friends, and colleagues — regardless of present financial position.”
“If money weren’t an issue, what would you be doing with your life?”
Her first question, every time
Program questions
What people ask before signing up
60 to 90 days. It covers goal clarification, an income and benefits review, cash flow analysis, monthly savings targets, an account review and a risk assessment, and it ends with the delivery of your Financial Freedom Roadmap.
$1,500 to $4,000 for the initial engagement, depending on complexity. Ongoing planning is $1,500 to $4,000 per year, billed quarterly. Optional investment management runs generally 1.00% to 1.75% of assets under management and is charged by the third-party manager.
No. It is explicitly optional and sits alongside either the initial engagement or the ongoing relationship. Plenty of clients take the written plan and implement it through accounts they already hold.
The ongoing relationship commits to at least two planning meetings per year and four to six points of communication per year. That is the published standard for the program, not a best-effort intention.
Because it is where most of the avoidable tax and structure mistakes live, and because it describes a large share of her client base. Turning hybrid income into a coordinated, tax-efficient plan is one of the program’s three stated goals.
Say so anyway. Her published policy: “We gladly accept referrals from our clients for their family, friends, and colleagues — regardless of present financial position.” The profile exists to set expectations, not to screen people out.
I am credentialed, I’m credible, and I’m called.
Sixty to ninety days from now, you could have a plan
Bring the situation, not the spreadsheets. She starts every first conversation with where you want to go, not what you have.