Financial Planning

Brings All The Pieces Of Your Life Together

Comprehensive Financial Planning helps you see the big picture. We will explore how your investments can support your goals and review topics like taxes, estate planning and insurance to see what strategies make sense based on what we see and how all the pieces work together.

Financial Planning Can

Take The Guesswork Out Of Making Big Decisions

Working with a CERTIFIED FINANCIAL PLANNER® professional can bring clarity and help you stay focused on the things that support your long-term vision.

Financial planning isn’t just for people who are looking at retirement. It’s great for anyone who is starting to notice more complexity in their finances. Going through the planning process can help you at any age and become a resource that can help you make big decisions with confidence. Want to know if you’re a good fit for what we do? Visit our FAQ section to learn more about what we mean by ‘Complexity’ and what we think about Asset Minimums.

View FAQs

We Offer

Robust Financial Planning Options

One-Time Comprehensive Financial Plan

If you have big decisions on the horizon or want a financial check-up, a one-time comprehensive financial plan could help you. We will get to know you, your goals and what questions you have and then provide our recommendations and a list of action items. You’ll have plenty of opportunities to ask us follow-up questions, and the door to continuing our relationship is always open if you decide you want help implementing our suggestions.

Cost: We charge a one-time fee to complete the financial plan. The fee depends on the complexity of your situation, and a quote will be provided during our initial meeting. Generally, most of our plans start at $1,500.

Ongoing Planning & Asset Management

Interested in an ongoing relationship? We understand that when you are dealing with the realities of decision making, whether it be about retirement, a career change, or another major transition, it can be overwhelming! Just like our financial plans, an ongoing relationship with us is comprehensive. We take an integrative approach to investment management by pairing it with continual, ongoing planning. Looking at your whole financial picture helps us give you the best service and advice.

Learn More About Ongoing Planning

Focused Planning

If you are just getting started or have questions about a specific situation, Focused Planning might be a good fit! We offer 1–3 hour sessions at our hourly rate, which is typically enough time for us to provide insight on one to two questions. During our initial meeting, we ask you to identify the answers you want to walk away with and tell you what to collect so we can answer those questions within an agreed timeframe.

Cost: These sessions are based on how many hours it will take us to review and answer your questions. We’ll provide an estimate during our initial call.

Find Comfort In Our

Methodical Process

We start each relationship with a conversation, carefully listening to what you are concerned about and what you are working towards. These conversations help us craft a financial plan that will adjust and grow with you along the way.

It typically takes 4 – 6 weeks to go through the comprehensive financial planning process. We stay in touch throughout the entire process and communicate next steps at each point to ensure that our timeline aligns with your needs and expectations.

Get Started

Initial Call
We set up a free initial call so that we can get to know each other. We’ll ask about your goals, explain our process and fees, and ultimately decide if our process is a good fit for your situation.
Gather Information
If you decide to move forward with a plan, we’ll give you a list of documents to gather and ask some questions that will help us put your financial puzzle together.
Analyze
We start putting the pieces together. We’ll build a rough draft of your plan and meet again to clarify and ask more questions. This stage is focused on making sure we see the whole picture as we finalize our thoughts and recommendations.
Present
We’ll meet to present your financial plan and send you home with a checklist outlining our recommendations.
Support
We’ll touch base after your presentation and meet again to explore alternative scenarios and answer any questions you have. If you decide you want help implementing our recommendations, we’ll talk about next steps and develop a timeline for addressing the planning priorities that we outlined.

We Help At

Each Stage Of Life

Financial complexity grows over time, but no two stories are the same. Maybe you have been building a nest egg over the course of your career, or maybe you inherited money and don’t know what to do. Who and how we work with people is more about the guidance and support we can provide during each life stage than it is about your assets. We will meet you where you are at.

How We Help

Why You Should

Work with a CFP®

Stephan Hess

CFP® CDFA®

Robyn Hill

JD CFP® CDFA®

Derek Hess

CFP®

Sara Kate Garman

CFP® CPA

When you hear people talk about their “Advisors” and “Financial Planners”, you may think they are the same thing, but there is a huge difference. “Advisors” are often focused on investment management, while “Planners” consider other topics like insurance and taxes when making investment recommendations. To add even more confusion, anyone can use “Financial Planner” as a job title.

An important distinction to look for is the CERTIFIED FINANCIAL PLANNER® certification. When you see someone with a CFP® beside their name, it means they have met rigorous education, training and ethical standards. This certification currently represents the standard of excellence in financial planning. These individuals represent a high level of competency, ethics and professionalism. And because they are held to a fiduciary standard of care, a CFP® professional is required to act in your best interest when managing your assets. This isn’t something that all financial advisors or “financial planners” can say.

Visit the CFP® Website