Ongoing Partnership. Personalized Guidance. Peace of Mind.

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As a Full Advisory Client, you’ll experience more than just financial planning—you’ll gain a trusted partner who’s here to support you every step of the way. Whether you're building wealth, navigating life transitions, preparing for retirement, or balancing the financial demands of family, career, and future goals, this service is designed to help you make confident, values-aligned financial decisions.

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What You Can Expect:

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A True Partnership

• Ongoing support from an advisor who listens, understands, and respects your priorities

• Collaborative decision-making, with guidance tailored to your values, lifestyle, and goals

• A judgment-free space where questions are always welcome and your voice is central

 

Holistic Financial Planning

• A living financial plan that evolves with you—career changes, marriage, children, caregiving, retirement, and everything in between

• Personalized strategies for cash flow, investments, retirement, insurance, education planning, and estate considerations

• Special attention to challenges women often face, like pay gaps, caregiving responsibilities, or planning after divorce or widowhood

 

Professional Investment Management

• A thoughtfully constructed portfolio aligned with your values & goals and comfort with risk

• Ongoing monitoring, rebalancing, and adjustments to stay on track through life and market changes

• Education and clarity around how your money is working for you

 

Regular Check-Ins

• Scheduled meetings to track progress and update your plan as your life evolves

• Responsive, ongoing access for those “I just need to talk this through” moments

• Guidance during major life events or decisions—like buying a home, changing jobs, or navigating family dynamics

 

Proactive, Personalized Advice

• Tax-smart strategies, risk management, and planning insights delivered in plain language

• Coordination with your other professionals (CPA, attorney, insurance agents)

• Support and encouragement as you move from financial uncertainty to clarity and confidence

 

This Service Is Designed For People Who:

• Want a long-term fiduciary financial partner they can trust

• Are balancing career, caregiving, or business ownership with long-term planning

• Are ready to grow and protect their wealth while staying true to their values

• May have experienced life shifts like divorce, inheritance, blended families, or becoming the household’s primary financial decision-maker

 

Cost: flat percentage for assets under management

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You’ll never have to figure it all out alone. As a Full Advisory Client, you’ll have a dedicated partner helping you move forward with purpose, power, and peace of mind—at every stage of your journey.

 

 

Breakdown of benefits of becoming a full advisory client:

 

1. Retirement Readiness Assessment

• In-depth projection of retirement income and expenses

• Social Security claiming strategies

• Medicare education & considerations

• Analysis of retirement account contributions, distributions, and tax impact

• Scenario modeling for early retirement, downsizing, etc.

 

2. Investment Portfolio Review

• Risk assessment and asset allocation review

• Evaluation of investment costs, performance, and diversification

• Suggestions for realignment or reallocation based on goals and risk tolerance

• Basic education on investment vehicles and strategies

3. Cash Flow & Budget Planning

• Review of monthly budget based on income and expenses

• Identification of savings opportunities and spending leaks

• Tools or templates to support tracking and accountability

• Debt payoff strategies (e.g., snowball or avalanche method)

 

4. Student Loan & Debt Strategy Session

• Review of current loan terms and repayment options

• Credit card or personal debt prioritization plan

 

5. Insurance Needs Analysis

• Review of existing life, disability, health insurance coverage

• Gap analysis and coverage recommendations

• Discussion of term vs. whole life, long-term care, health, and advanced life insurance concepts for building generational wealth.

 

6. Tax Planning Snapshot

• Review of prior year tax return for planning opportunities

• Strategies to reduce taxable income (e.g., retirement contributions, deductions)

• Discussion of capital gains/loss harvesting or Roth conversions
  Note: Not a substitute for CPA-prepared returns.

 

7. Estate Planning Basics

• Review of existing wills, powers of attorney, and healthcare directives

• Discussion & review of beneficiary designations and titling of assets

• Guidance on how to get started with an attorney or legal platform

 

8. Education Funding Plan

• Projection of future education costs

• 529 plan analysis and contribution strategy

• Review of other potential education funding vehicles

 

9. Major Purchase or Life Transition Planning

• Financial planning for home purchase, relocation, job change, etc.

• Cash flow and savings guidance

• Timeline and cost projections for smooth transitions

 

10. Ongoing Check-In

• Regular communication to review progress and adjust plan

• Update recommendations based on new goals or changes in life circumstances