Financial Planning
Financial planning is the process of bringing your entire financial life into focus — your income, your debts, your savings, your insurance, your taxes, your goals — and building a clear, actionable path forward. It's not a single conversation or a one-time report. It's an ongoing relationship that evolves as your life does.
Most people who come to me aren't starting from zero. They have income, some savings, maybe some debt, and a general sense of what they want their life to look like. What they're missing is a coherent plan that connects all of those pieces. They're busy, the financial world is noisy, and the stakes feel high enough that inaction starts to feel safer than making the wrong move.
That's exactly what I'm here to help with.
What financial planning covers
Financial planning touches every area of your financial life. Depending on your situation, it may include:
Cash flow and budget analysis. Tax planning, including strategies like backdoor Roth contributions, retirement account maximization, and Roth conversion planning. Student loan analysis and repayment strategy. Retirement planning and account consolidation. Insurance analysis, including disability insurance, life insurance, and employer benefit review. Estate planning guidance and referrals to qualified attorneys. Home purchase planning and mortgage analysis. Investment strategy and portfolio design. College savings planning. Scenario analysis for major life decisions like relocation, job changes, or career transitions.
No two plans look alike. I work with you to identify what matters most and build a plan around your specific circumstances and goals.
How the process works
The first twelve weeks follow a structured sequence of five meetings designed to build your financial plan from the ground up.
Meet and Greet (30 minutes). We get to know each other and assess whether there's a mutual fit. I answer any questions you have about how I work, what I charge, and what to expect.
Dig Deeper (60 minutes). We talk through any immediate financial concerns and start to understand your goals, your plans, and how you think and feel about money. This conversation matters — a good financial plan has to reflect your values, not just your numbers.
Get Organized (90 minutes). We gather the information needed to build your plan. I help you sort through your financial life and make sense of what you have, what you owe, and where you stand.
Explore Possibilities (60 minutes). Using financial planning software, we quantify and visualize your current financial picture together. This is where a cloudy situation starts to become clear.
Plan Delivery (60 minutes). I present your financial plan along with specific recommendations. The goal at this meeting is to commit to implementing the top one or two priorities so you leave with real momentum.
After the initial sequence, we move into ongoing planning. I implement the remaining recommendations with you over time, and we meet regularly to review your progress and adjust as your life changes. There's no rush to do everything at once. Sustainable progress beats an overwhelming to-do list.
The ongoing relationship
Financial planning isn't something you finish. Your income changes, your family grows, tax laws shift, and goals evolve. As an ongoing client, you have access to me throughout the year for questions that come up between meetings. When something changes in your life… a new job, an inheritance, a major purchase… I already have your complete financial picture in my system and can give you a real answer quickly.
We meet at minimum annually for a full plan review, and most clients choose to meet more frequently. The goal is to make sure your plan always reflects where you actually are, not where you were when we first started.
Fee
$1,250 to $2,500 Upfront
+
Monthly fee between $100 to $625
Frequently Asked Questions
I don’t live in South Carolina. Can you still work with me?
I can serve US Citizens across all 50 states. Thanks to virtual meetings, e-signature, secure file sharing, etc., geography is no longer a barrier.
Why is there such a large upfront fee?
There is a tremendous amount of work at the beginning of the planning process. There are many hours of client conversations, data gathering, analysis, and plan construction.
Can I cancel at any time?
Yes, simply send me an email and let me know you'd like to end the relationship. No hard feelings!
Do I have to commit to paying for an entire year?
No, the fee is pro-rated and charged for work done the month prior. You may cancel at any time and will not be charged for the remainder of the year.
Do you have a minimum account size?
I do not have a minimum account size. Everyone has to start somewhere!
Can I choose either investment management or financial planning?
Yes. You can choose either/or, or both.
Is the initial consultation free?
Yes. The first meeting is a no-obligation conversation where we get to know each other, talk through your situation, and figure out whether working together makes sense. There's no pressure and no commitment required.
How often do we meet?
During the initial planning process, we work through a structured sequence of meetings to build your financial plan. Once that's complete, most clients meet with me monthly, though at minimum we connect at least once a year to review your plan and make any necessary updates.
How will I know if I’m getting my money’s worth?
This is one of the hardest questions in financial planning to answer, and I'd rather be honest about that than give you a number I can't back up.
Some of the value is visible: tax savings, a coherent investment strategy, a clear plan for paying down debt. But some of the most important work is harder to quantify. A good financial planner helps you avoid mistakes you didn't know you were about to make, such as an insurance gap, a tax misstep, a poorly timed financial decision. Like a doctor who catches a problem before it becomes a crisis, the value is real, but you don't always see what you were spared.
There's also value in simply being established with an advisor. When something urgent comes up. For example, a job change, an inheritance, a surprise medical bill, an appealing investment property… I already have your complete financial picture in my system. That means I can analyze the situation and give you a confident answer quickly, rather than starting from scratch.
Do you help with employer benefits like 401(k)/403(b) enrollment or disability insurance?
Yes. Benefits decisions are some of the most consequential financial choices early and mid-career professionals make, and they're easy to get wrong. We cover things like retirement plan selection, contribution strategy, disability and life insurance analysis, and how your benefits fit into your broader financial plan.
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