Clients seeking financial planning support can start either with a standalone plan (for example, to address an urgent need) or with Premier Planning, which progressively develops a comprehensive plan.

A standalone financial plan focuses on a specific part of your financial life. It includes analysis, recommendations, and up to two revisions to ensure clarity before final delivery. If updates are needed later, a new engagement is necessary. Premier Planning is a continuous relationship, offering ongoing planning across all areas, unlimited access to your advisor, yearly tax planning and preparation, and discounted investment management fees.

Everything listed on the Premier Planning page is included in the membership. Premier Planning is not an add-on service. You do not need to purchase a one-time plan first. Once enrolled, your advisor begins building and maintaining your planning strategy immediately. Standalone plans and investment management-only relationships are structured separately.

Financial planning and investment management are separate services. You are not paying twice for the same service. Investment management fees only apply to assets under our management. Clients enrolled in Premier Planning may also qualify for discounts on planning and investment management.

No, we also work with clients who have outside investment accounts or collaborate with other advisors. As part of our Premier Planning or investment management services, we can review outside investments for coordination and provide a second opinion.

No minimum account balance is needed to access investment management services.

Unlimited planning means there are no extra charges for revisiting or updating your plan. If assumptions shift or new decisions develop, we re-run projections and make adjustments accordingly. It also includes scheduled meetings throughout the year, such as midyear and year-end reviews. If something comes up, you can contact us without worrying about additional fees.

Many Premier Planning clients meet at least quarterly and during tax season. At the start of the relationship, meetings may happen more often as we gather information and build a strong foundation. The frequency adjusts as your needs change.

Life changes are expected. Premier Planning clients simply inform us of changes, and we update the plan as needed with no additional fees. Clients using standalone plans would start a new engagement if significant updates are required.

Premier Planning operates on a month-to-month basis. Clients can pause or cancel their membership at any time. Since services are billed in arrears, monthly invoices show charges for services provided the previous month(s) and are non-refundable.