How We Work
2nd Half Plan is about being ready for the second half of your life. Your childhood is a dress rehearsal, a training camp; you are learning how to be an adult. The first half starts in your late teens/early 20’s; you now have responsibilities. You are creating a family, developing a career, having a good time. When your second half starts, hopefully having a good time is all you have to worry about.
Developing a financial plan is the process of getting really clear on where you are going, what you need to do to get there, and how you implement it all. While you may need to make some tough choices to achieve your goals, it will help you to understand what is needed. It includes four or five 1.5 hour face-to-face meetings. We collaborate on possible future paths. You emerge understanding how specific actions can affect your future so you can make informed decisions. We examine your personal patterns and money history so we can anticipate what might get in your way, and come up with strategies to deal with potential roadblocks.
Cost for a Financial Plan is:
$2900 for an individual
$3400 for a couple.
Optional budgeting/cash-flow segment $500.
You may know where you want to end up but want to work with someone to help you stay on track. We offer this level of engagement so you have access to continuous and timely advice as well as the ability to ask questions as your plan bumps up against real life. It’s like having a financial planner as your friendly next-door neighbor, available whenever you have a question or concern.
Cost for a Monthly Retainer is:
|Package C |
|Education on Financial Topics|
|Goals Identification and Tracking|
|Cash Flow Analysis and Coaching|
|Debt Inventory and Management|
|Net Worth Tracking|
|Future Projections and Risk Review|
|Investment Inventory and Recommendations|
|Asset Location Recommendation-account type and titling|
|Review of Employer Retirement Plan Options & Recommendations|
|IRA Strategies including beneficiary review, Roth conversion analysis, & RMD's|
|Employee Benefits Review & Recommendations|
|Insurance Inventory & Analysis|
|Strategic Tax Planning|
|Human Capital Maximation|
|Financial Organization Streamlining and Efficiency|
|Life Planning & Coaching|
|Meet with Attorney, CPA or other Professionals||1||1||unlimited|
|Meetings Per Year||2-3||4-5||unlimited|
The one-time session is designed as a cost-effective way to give you direction on the one or two issues that are most pressing. In a ninety-minute face-to-face session, we ask the key questions, listen deeply, and review any documents you have to share. Together we’ll come up with specific, actionable recommendations. You’ll likely have homework, but also clarity on next steps.
There is never an obligation or pressure to buy or do anything else with us, though we hope you’ll keep in touch!
$400 for 90 minutes one-on-one
with an experienced financial advisor focused solely on YOU, your questions, your worries.
$700 for two one-on-one meetings
plus research and analysis by our team in-between.
You have some money you need to invest. Maybe it’s with a financial adviser you don’t quite connect with or someone who doesn’t “get” you. Maybe you want to consolidate everything to one place. Maybe you need to move a retirement plan, and your investments now have a new job to do.
Whatever the case, you need objective advice customized to your situation without fear of being sold the “latest and greatest can’t miss opportunity”.
Asset Management starts at:
1% per year and moves down as total amount invested with us increases.
The true value of planning emerges in the discussion and collaboration of our knowledge applied to your unique circumstances. We bring our areas of expertise to your areas of curiosity, ambition and worry.
Let’s get this conversation started.