A financial plan that updates when your life does.
Most financial plans end up in a drawer. Ours is a living document — built around your goals, stress-tested against real scenarios, and updated as your life changes.
Six areas. One connected plan.
Cash Flow & Budgeting
You know what you earn. But do you know where it goes — and whether you’re putting the right amount toward the things that matter most? We’ll map your income, expenses, and savings so you can see the full picture and make decisions from a position of clarity.
Debt Strategy
Not all debt is created equal. Some of it’s working for you and some of it isn’t. We’ll sort through your student loans, mortgage, and any other obligations to figure out what to pay down first — and what to leave alone because the math says so.
Retirement Projections
“Am I actually on track?” That’s the question. We run your plan through hundreds of different market scenarios — including the ones where things go wrong — so you can see what happens if the market drops 30% in year one, if you live to 95, or if inflation runs hot.
Tax Optimization
You’re probably leaving money on the table at tax time and don’t know it. We look at your full tax picture — Roth conversions, capital gains timing, contribution strategies, and deduction opportunities — and coordinate it with the rest of your plan.
Insurance Analysis
Insurance is one of those things people either ignore or overbuy. We’ll review your life, disability, and long-term care coverage to make sure you’re protected without paying for policies you don’t need. Insurance services are offered through Petrarch Insurance Services, LLC, a separate affiliated entity. Insurance products may involve commissions.
Values-Based Planning
If where your money goes matters to you — not just how much it grows — we can build that into the plan. ESG-aligned investments, charitable giving strategies, or legacy planning that reflects what you actually care about. Note: ESG strategies may limit available investments and could result in performance that differs from non-ESG approaches.
Five steps. No surprises.
Discover
We start by listening. Thomas will ask about your goals, your concerns, and what your financial life actually looks like right now.
Organize
We’ll gather your accounts, policies, debts, and income into one view. Most people have never seen their complete financial picture in one place.
Strategize
This is where the analysis happens. We run your plan through hundreds of market scenarios, stress-test it, and walk you through the findings.
Implement
Once you’ve approved the plan, we execute — account setup, rebalancing, insurance applications, contribution changes, whatever the plan calls for.
Monitor
Life changes. So does your plan. Regular check-ins, updated projections, and unlimited access to your advisor.
$50 to $400 a month. Based on your situation, not ours.
Comprehensive financial planning starts at $50 per month and scales based on the complexity of your situation — whether you’re a business owner, how many rental properties are in the picture, whether we need to account for stock options and equity compensation. You pay for what you need, and nothing you don’t.
You’ve worked hard for your money, you deserve to work with an advisor that you trust. If we’re not the right fit, cancel anytime — as simple as sending an email.
For one-time projects — a second opinion on your 401(k) allocation, a retirement readiness check — we offer project-based planning at $250 per hour (50% due in advance, balance on delivery).
Lower fees for comparable services may be available from other investment advisers. The client is under no obligation to act upon the investment advisor’s recommendations.