You’ll start with your Financial Zen Boot Camp!

It’s your PERSONALIZED 6-month program to get in the best financial shape of your life.

You’ll meet monthly 1:1 with your Certified financial planner to build on things you’re doing right and fix things you’re not.

Financial Zen Boot Camp

$400 monthly (6-month minimum) or

$2,000 upfront

+ 6 monthly 1:1 appointments with your Certifed Financial Planner

We'll develop a game plan in Months 1 & 2, and then we'll execute in Months 4-6.

  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

Planning services include:

+ 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

+ 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

+ Employee 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

+ 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

+ 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

Ready for the best financial shape of your life? Then schedule your free introductory appointment!

Want to learn even more? Then check out how we’ll keep you in tip-top financial shape!