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+ 6 monthly 1:1 appointments with your dedicated CFP® Professional

  1. Goal setting & data gathering
  2. Financial plan and recommendations review
  3. Insurance planning (life, disability, umbrella liability, health, home/auto)
  4. Estate planning, taxes & liabilities (student loans, credit cards, emergency fund)
  5. College, retirement & homeownership
  6. Corporate benefits, cashflow & Financial Zen tools

24/7/365 unlimited email, phone and text support

Financial Zen Monthly Reminders

+ Financial Zen Member Portal

  • Comprehensive interactive dashboard of current financial health
  • Access to in-depth, customized financial planning reports including net worth and cashflow statements
  • Bank-level security cloud storage for your most important financial documents - insurance policies, home deeds, estate plan, medical directives
  • Budget and cashflow tracking
  • Real-time portfolio tracking
  • Customized financial alerts

+ Customized Financial Plan

  • Short-term and long-term goal setting
  • Detailed financial projections
  • Exhaustive list of recommendations for improvement
  • Unlimited scenario analysis to prioritize competing financial goals
  • Personal financial statements
  • Stress tests for various market conditions

Planning Services include

+ Investments

  • Customized risk assessments
  • Personalized portfolio model recommendations
  • Recommendation for strategies to fill each savings bucket
  • Personalized Investment Policy Statement detailing potential volatility of recommended allocations

+ Insurance

  • Life insurance needs analysis
    • Recommendations on amounts and terms
  • Disability insurance needs analysis
    • Recommendations on amounts and terms
  • Review of home and auto policies for gaps
  • Assistance purchasing an umbrella liability policy
  • Review & recommendations of group/individual health coverage
  • Referrals to insurance brokers and carriers
  • Concierge services in applying for policies

+ Estate Planning

  • Easy-to-understand explanation of estate planning process including costs and benefits
  • Guidance in designating guardians, trustees, powers-of-attorney
  • Recommendations on for trust distribution
  • Assistance in speaking with potential trustees, guardians and powers-of-attorney
  • Assistance updating account titles and beneficiaries
  • Concierge service and referrals to estate attorneys

+ Liabilities

  • Recommendation for an appropriate amount and placement of your emergency fund
  • Strategies to eliminate student loan debt
  • Strategies to eliminate credit card debt

+ Taxes

  • Review of prior year’s tax returns for overlooked tax deductions
  • Investment placement strategies for reducing current and future tax liabilities
  • Recommendations for tax-efficient exercise of company stock options
  • Concierge service and referrals to tax advisors

+ Education

  • Assistance establishing achievable education goals
  • Projections of estimated costs
  • Recommendations on how much to save and when
  • Recommendations on what types of accounts to use
  • Assistance with tuition research and projections
  • Options for funding K-12 private school
  • Concierge service in applying for financial aid and student loans

+ Retirement

  • Assistance establishing achievable retirement goals
  • Recommendations on how much to save and what type of accounts to use
  • Best practices for naming beneficiaries
  • Recommendations for investment allocations
  • Guidance on contributing to either Roth or Traditional retirement accounts
  • Strategies to maximize Social Security benefits
  • Concierge service in consolidating old 401k’s
  • Concierge service for Medicare enrollment

+ Homeownership

  • Analysis and projections for how much house you can afford
  • Scenario analysis for appropriate down payment amounts
  • Objective guidance in selecting the best mortgage for your goals
  • Concierge service in establishing a down payment fund
  • Advice on maximizing down payment fund returns while preserving principal
  • Scenario analysis of making extra mortgage payments
  • Recommendations for financing renovations
  • Objective guidance to clarify potentially conflicted advice of real estate agents and mortgage lenders
  • Referrals to real estate agents and mortgage lenders
  • Introductions to the most cost-effective mortgage lenders
  • Concierge service during home buying process

+ Corporate Benefits

  • Analysis of Employee Stock Purchase Program
  • Recommendations for maximizing ESPP returns while minimizing taxes
  • Advice on contribution rates into your ESPP
  • Tracking of RSU and stock option grants and vesting dates
  • Guidance on tax-efficient divestiture of vested RSU’s
  • Guidance on tax-efficient exercise and divestiture of stock options
  • Analysis of health insurance options and recommendations
  • Assistance in establishing a Health Savings Account and recommendations for investment allocation

+ Cashflow

  • Guidance establishing sustainable on-going living expenses
  • Monthly budget and spending category updates
  • Recommendations on spending strategies to remain debt-free
  • Best practice recommendations for utilizing your Financial Zen portal
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Unlimited email, phone and text support from your Certified Financial Planner

+ Customized Financial Zen member portal

  • Comprehensive interactive dashboard of current financial health
  • Access to in-depth, customized financial planning reports including net worth and cashflow statements
  • Bank-level security cloud storage for your most important financial documents - insurance policies, home deeds, estate plan, medical directives
  • Budget and cashflow tracking
  • Real-time portfolio tracking
  • Customized financial alerts

+ 1 Annual Review

  • 1:1 Appointment with your dedicated CFP® Professional
  • Update short-term and long-term financial goals
  • Update financial projections
  • Scenario analysis for new/updated financial goals
  • Updated personal financial statements
  • 12-month roadmap of improvement recommendations
  • Stress test analysis for various market conditions
  • Review personalized performance report
  • Review updated financial plan

+ 1 Accountability Appointment

  • 1:1 Appointment with your Certified Financial Planner
  • Discuss client updates
  • Discuss Financial Zen updates impacting client relationship
  • Review completed activities and progress towards goals
  • Complete outstanding open activities
  • Review projected spending and budget tracking
  • Review personalized performance reports
  • Complete annual housekeeping
    • Verify retirement account beneficiaries
    • Review 401k rebalancing opportunities
    • Review annual credit report
    • Review annual Social Security statement
    • Review most recent tax return
    • Complete income acceleration analysis
    • Maximize retirement account contributions
    • Complete annual risk assessment

+ Free Concierge Services for:

  • Homebuying
  • 401k Rollovers
  • Corporate benefits
  • Open enrollment
  • Estate planning
  • Life insurance
  • Disability insurance
  • Taxes
    • Services include:
      • Free additional appointments
      • 3rd party referrals
      • 3rd party appointment coordination
      • Application data entry
      • Statement gathering
      • Tax document consolidation
      • Action item management

Additional appointments available for $400/hr

Basic Membership (2).png

Unlimited email, phone and text support from your Certified Financial Planner

+ Customized Financial Zen member portal

  • Comprehensive interactive dashboard of current financial health
  • Access to in-depth, customized financial planning reports including net worth and cashflow statements
  • Bank-level security cloud storage for your most important financial documents - insurance policies, home deeds, estate plan, medical directives
  • Budget and cashflow tracking
  • Real-time portfolio tracking
  • Customized financial alerts

+ 1 Annual Review

  • 1:1 Appointment with your dedicated CFP® Professional
  • Update short-term and long-term financial goals
  • Update financial projections
  • Scenario analysis for new/updated financial goals
  • Updated personal financial statements
  • 12-month roadmap of improvement recommendations
  • Stress test analysis for various market conditions
  • Review personalized performance report
  • Review updated financial plan

+ 1 Accountability Appointment

  • 1:1 Appointment with your Certified Financial Planner
  • Discuss client updates
  • Discuss Financial Zen updates impacting client relationship
  • Review completed activities and progress towards goals
  • Complete outstanding open activities
  • Review projected spending and budget tracking
  • Review personalized performance reports
  • Complete annual housekeeping
    • Verify retirement account beneficiaries
    • Review 401k rebalancing opportunities
    • Review annual credit report
    • Review annual Social Security statement
    • Review most recent tax return
    • Complete income acceleration analysis
    • Maximize retirement account contributions
    • Complete annual risk assessment

+ Free Concierge Services for:

  • Homebuying
  • 401k Rollovers
  • Corporate benefits
  • Open enrollment
  • Estate planning
  • Life insurance
  • Disability insurance
  • Taxes
    • Services include:
      • Free additional appointments
      • 3rd party referrals
      • 3rd party appointment coordination
      • Application data entry
      • Statement gathering
      • Tax document consolidation
      • Action item management

Additional appointments available for $400/hr

No account minimums

No withdrawal fees

Transaction-fee free trading through Financial Zen portfolio models

Ability to pay your Financial Zen subscription tax-free from your IRA

Access to all 6 Financial Zen portfolio models ranging from conservative to aggressive

Concierge account opening, transfer and maintenance services

Dedicated point-of-contact for any account issues or questions

Daily monitoring for tax loss harvesting opportunities (taxable accounts only)

Daily monitoring for rebalancing opportunities (all account types)

Easy digital account opening and signature process

Concierge setup of automatic saving/investing programs

Access to research and educational resources through Charles Schwab’s client portal, Schwab Alliance

Access to Charles Schwab ETF’s (some of the lowest cost ETF’s available)

Concierge trade management

Recommendations for bond ladder structuring and purchasing for down payments and other short-term goals

Easy-to-read quarterly performance reports

Access to an investor checking account (including debit card and bill pay) tied to your taxable brokerage account