Financial Planning

What is our
Financial Plan?

A comprehensive financial plan built for individuals and families who want clarity on where they stand today and a clear, actionable path to where they want to go.

Whether you're planning for retirement, navigating a major life transition, or simply want to make smarter decisions with your money, this is where we start.

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How It Works

Six steps from
conversation to clarity.

Six clear steps. You'll always know what's coming next and why it matters.

Apply for financial planning services

Tell us a bit about yourself and what you're hoping to accomplish. There's no obligation. This is simply the first step toward understanding if we're the right fit for each other.

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Create your financial profile

We'll send you a secure intake form to gather your income, assets, debts, insurance, and goals. The more complete your profile, the sharper your plan will be.

We review your information prior to meeting

Before we sit down together, our team studies your situation. We identify opportunities, gaps, and questions so your first meeting is substantive, not administrative.

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We meet for one hour to go through your situation

A focused, one-hour working session where we walk through your financial picture together, answer your questions, and begin building a shared understanding of your goals.

Your plan is delivered within two weeks

We build a written, personalized financial plan, not a generic template. Covering retirement projections, tax optimization, cash flow, and more. Delivered as a clear, readable document you'll actually use.

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30-day access for follow-up questions

After delivery, you have 30 days to ask follow-up questions as you review your plan and begin implementing. We want to make sure nothing gets lost in translation.

What You Receive

Actionable items for
every piece of your picture.

Your financial plan addresses the areas that matter most, each with specific, prioritized next steps.

Cash Flow

A clear picture of what's coming in, what's going out, and where to redirect money to build wealth faster.

Investment Strategy

Portfolio allocation recommendations aligned to your timeline, risk tolerance, and tax situation.

Debt Pay-Off

A prioritized payoff strategy that balances eliminating high-interest debt with growing your savings.

Retirement Projections

Monte Carlo projections showing your retirement readiness and the levers that move the needle most.

Tax Optimization

Roth conversion windows, tax-loss harvesting opportunities, and account location strategy reviewed annually.

Insurance Review

An objective look at your coverage across life, disability, and long-term care to identify gaps and eliminate waste.

Covered in Your Plan

What We
Help With

Every plan is different. Here's the full range of topics we address. You'll receive guidance on the ones relevant to your situation.

Savings
Emergency fund sizing & savings rate targets
How much to keep liquid, where to hold it, and how to automate consistent saving.
Retirement
401(k), IRA & Roth contribution strategy
Maximize tax-advantaged accounts in the right order based on your income and timeline.
Tax Planning
Roth conversions & tax bracket management
Identify years with lower income to convert tax-deferred assets and reduce future RMDs.
Equity
RSUs, stock options & equity compensation
A plan for vesting schedules, tax impact at vest, when to sell, and how to integrate equity into your broader financial picture without overconcentrating in one stock.
Protection
Life, disability & long-term care insurance
Right-size your coverage so you're protected without overpaying for policies you don't need.
* Insurance products are offered through Balanced Financial Inc., an affiliated company.
Legacy Planning
Wills, trusts & beneficiary designations
Ensure your assets go where you intend and that your family is protected if something happens.
* Balanced Wealth Partners LLC is not a law firm and does not provide legal advice. Please consult a qualified professional for assistance with any legal issues such as wills and trusts.
Life Goals
Major purchases, education & giving strategies
Plan for the milestones that matter (a home, college, charitable giving) without putting retirement at risk.
Education Planning
529s, UTMA accounts & college savings strategy
How much to save, which account type fits your situation, and how to balance college funding with your own retirement without sacrificing one for the other.
Pricing

Simple, transparent pricing.

Financial Planning Engagement
$3,000–$5,000
One-time flat fee · Agreed upon in advance
Retirement planning and income analysis
Investment risk and allocation review
Tax-aware planning strategies
Insurance planning review
Estate planning coordination

Fee depends on household complexity and scope of work. Not contingent on the purchase of any financial products.

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Advisory fees are negotiable based on scope of services. Additional costs such as custodial fees or fund expenses may apply and are not included in advisory fees. Full details provided in our advisory agreement and Form ADV.

Ready to apply for your
financial plan?

Takes about 5 minutes. No obligation. We'll be in touch within one business day to confirm your spot.

Apply for Your Financial Plan →