Services
Fee-Only Financial Planning Services & Fees
How We Can Work Together
I'm an advice-only, fee-only fiduciary, which means I earn no commissions and sell no products. You pay me directly, and I work only for you.
Who I Work Best With
I partner with individuals and families who:
Think long-term
And care deeply about their future health and freedom
Navigate complexity
Like high income, young kids, or real estate ownership
Put purpose over pure growth
Wanting to use money intentionally
Are drawn to big ideas
Such as Bitcoin, time freedom, or holistic living
Prefer real conversation
Over one-size-fits-all advice
Financial Planning Services for High-Income Millennials and Families
Ongoing Financial Planning
A long-term partnership to help you stay aligned as life evolves.
WHO IT'S FOR
Individuals and families seeking a comprehensive, ongoing relationship rooted in intention and longevity.
WHAT'S INCLUDED
- Clarify your values and priorities to define meaningful, achievable financial goals.
- Explore how your health, time, and money integrate so you can plan for a longer, more fulfilling life.
- See where you stand — a clear view of your assets, liabilities, and investment allocation to inform your next steps.
- Review your current insurance coverage to spot any gaps, overlaps, or inefficiencies.
- Assess whether additional coverage is appropriate and offer trusted referral options if needed.
- Use Monarch Money to monitor spending and keep your finances aligned with your goals.
- Create a personalized strategy for putting surplus cash to work — whether that means saving, investing, or paying down debt.
- Put debt in context by ensuring all borrowing decisions align with your long-term financial goals.
- Review your mortgage to evaluate affordability, refinancing options, and the role of home equity in your broader plan.
- Analyze student loans for repayment strategies, forgiveness opportunities, and potential refinancing.
- Tackle credit cards and personal loans by prioritizing payoff strategies and minimizing interest costs.
- Review and optimize your employee benefits — including retirement plans, health and life insurance, disability coverage, and tax-advantaged accounts like HSAs and FSAs.
- Support major work decisions by guiding you through open enrollment or evaluating new job offers to ensure your choices align with your financial goals.
- Review current savings strategies — including 529 plans and alternatives — to ensure they're still the most effective choice for your family's education goals.
- Model future education expenses to estimate the monthly savings needed for private school, college, or other long-term educational goals.
- Explore alternative savings strategies.
- Create a flexible roadmap to financial independence, tailored to your lifestyle goals and long-term vision.
- Optimize your retirement account strategy by reviewing workplace plans, maximizing contributions, and evaluating backdoor Roth IRA opportunities (if applicable).
- Track your retirement savings rate to help you stay on pace and make the most of annual limits.
- Support distribution decisions with guidance on Social Security timing and Required Minimum Distribution (RMD) strategies.
- Clarify your storage options — from ETFs and custodial platforms to cold wallets and multisig solutions.
- Coordinate tax reporting and compliance to help you stay ahead of evolving regulations.
- Integrate Bitcoin into your broader allocation to ensure it aligns with your goals, time horizon, and risk tolerance.
- Assess tax opportunities including Roth vs. pre-tax contributions, charitable giving, asset location, and tax-efficient investment selection.
- Implement tactical strategies like tax-loss harvesting and optimizing retirement account contributions.
- Connect you with trusted professionals for tax preparation and specialized advice when needed.
- Review your current estate documents — including wills, trusts, powers of attorney, and beneficiary designations — to ensure they reflect your goals.
- Connect you with vetted estate attorneys for legal document creation or updates when needed.
- Determine a personalized target asset allocation — including stocks, bonds, and alternatives — based on your goals, risk tolerance, and time horizon.
- Best paired with Investment management — detailed investment recommendations are provided when I have discretion over your investment accounts.
*Asset selection (e.g. individual stocks. bonds, ETFs) is not included for one time plans and ongoing financial planning clients. You will receive a high level asset allocation (e.g. 60% US stocks, 15% international stocks, 10% bonds, 5% cash).
- Biannual strategy meetings to revisit your goals, update your plan, and adjust for any life changes.
- Quarterly check-in themes covering key topics like taxes, insurance, investments, and purpose-driven decision-making:
- Q1: Annual cash flow and tax document review
- Q2: Insurance and estate plan checkups
- Q3: Investment and lifestyle rhythm review
- Q4: Year-end tax planning and giving strategy. - Proactive outreach when new opportunities, risks, or decisions arise — I don't wait for you to raise your hand.
- Ongoing advisor access via email, phone, or video for questions, large or small.
YOUR INVESTMENT
Billed monthly. No long-term contracts.
*Actual Fees depend on the complexity of your financial life, as outlined in the ADV.
Investment Management
(Separately Managed Accounts)
Individuals and families who have a long-term investment outlook. This service expands upon the work I do in Ongoing Financial Planning.
WHO IT'S FOR
A typical client has accounts in the range of $500,000–$3,000,000 who has a need for financial advice beyond their portfolio, and a distinct manner from the default global portfolio.
WHAT'S INCLUDED
- I build portfolios around low-cost, passive index funds and ETFs, grounded in academic research and long-term thinking.
- Incorporates tax-loss harvesting, asset location, and gain deferral to help you keep more of what you earn.
- While indexing is the foundation, I may incorporate tactical exposure to real estate, commodities, or other purpose-driven assets when they enhance diversification or better align with your goals—all within a disciplined, passive-first philosophy.
FEE SCHEDULE
- First $500,000 — 1.5%
- $500,001 - $3,000,000 — 1.0%
- $3,000,001 and above — 0.5%
One-Time Financial Plan
A comprehensive, personalized roadmap — with no ongoing commitment required.
WHO IT'S FOR
Individuals or families seeking clarity, confidence, and direction — whether you're planning to implement on your own or explore further support later.
WHAT'S INCLUDED
*Asset selection (e.g. individual stocks. bonds, ETFs) is not included for one time plans and ongoing financial planning clients. You will receive a high level asset allocation (e.g. 60% US stocks, 15% international stocks, 10% bonds, 5% cash).
YOUR INVESTMENT
*Actual fees depend on the scope of planning, as outlined in the ADV.
Estate Planning
Protect your people, your wishes, and your space.
Estate planning isn’t just about documents — it’s about communicating love, care, and clarity to the people who matter most. I partner with EncoreEstatePlans™ to provide a streamlined, supportive experience that helps you ensure your wishes are honored and your loved ones are protected. For more complex needs, I’ll connect you with trusted estate attorneys.
Powers of Attorney Plan
Focused protection for medical and financial decision-making.
WHAT'S INCLUDED
- Powers of attorney for healthcare and finances
- HIPAA release
- Personalized guidance
- Notarization coordination
- Custom binder
Will-Based Plan
A foundational estate plan for peace of mind and clear direction.
WHAT'S INCLUDED
- State-specific will
- Powers of attorney for healthcare and finances
- HIPAA release
- Personalized guidance to align your plan with your goals
- Notarization coordination
- Custom binder to keep everything organized
Trust-Based Plan
For those seeking added privacy, flexibility, and control.
WHAT'S INCLUDED
- Revocable living trust and pour-over will
- Powers of attorney for healthcare and finances
- HIPAA release
- Trust summary and certification
- Personalized guidance and education
- Notarization coordination
- Custom binder
- Future transfer support for funding the trust with your primary residence
YOUR INVESTMENT
Advisory Services
Project-Based Planning
Strategic guidance for major transitions or complex decisions that touch multiple areas of your financial life.
WHO IT'S FOR
People navigating significant life changes or financial choices — when hourly help isn't enough, but ongoing planning isn't needed (yet).
EXAMPLES
- Preparing for retirement or military transition
- Advice around a military bonus, such as the aviation retention bonus (AvB)
- Navigating a career pivot or sabbatical
- Evaluating a rental property or real estate purchase
- Optimizing equity compensation or business sale
- Integrating Bitcoin exposure or custody into your overall plan
- Coordinating a multi-account investment strategy
- Moving around mortgage, finance, or caregiving roles
WHY CHOOSE A PROJECT?
Projects allow for deep, focused planning with a clear scope and deliverables — ideal when your situation involves overlapping goals, timelines, or risks.
YOUR INVESTMENT
Hourly Financial Planning
Quick, targeted advice for life's financial crossroads.
WHO IT'S FOR
Anyone needing flexible expert input without a long-term relationship.
EXAMPLES
- Reviewing tax offers in benefits
- Roth conversion decisions
- Real Estate moves
- Inheritance or military transitions
- Pre-retirement thriving
- Second opinions
YOUR INVESTMENT
Not Sure Where to Start?
Let’s talk through your goals and build a life you don’t want to retire from
Frequently Asked Questions
How much does financial planning cost at Outlive Financial Planning?
Ongoing financial planning starts at $250 per month, billed monthly with no long-term contracts. Investment management starts at 1.5% annually for the first $500,000 (e.g. $500K = $7,500/yr), reducing to 1.0% above that. One-time financial plans start at $3,500 and hourly planning is available at $250 per hour. Everything is disclosed upfront. No surprises.
Do I pay both a planning fee and an AUM fee?
It depends on which service you use.
For ongoing financial planning only, you pay the monthly planning fee starting at $250 per month. No AUM fee.
For clients who also have investment management, the monthly planning fee is waived and you pay only the AUM fee. All comprehensive planning services remain included.
Everything is disclosed upfront before we start working together.
What is the difference between fee-only and fee-based financial advice?
Fee-only means I am paid solely by you. No commissions, no referral fees, no revenue sharing with product companies.
Fee-based advisors can collect both fees from clients and commissions from financial products they recommend. That dual compensation structure creates conflicts of interest even when the advisor has good intentions.
Fee-only removes those conflicts entirely.
Do you file my taxes?
No, I do not prepare or file tax returns. That is what a CPA or tax preparer does in March and April.
What I do is tax planning, which is a different and often more valuable service. Tax planning is the proactive strategy you put in place throughout the year to legally minimize what you owe before tax season arrives. That includes Roth conversion timing, tax-loss harvesting, asset location across taxable and tax-deferred accounts, charitable giving strategy, and retirement contribution sequencing.
I handle the strategy. I coordinate with your CPA or EA (Enrolled Agent) on the filing.
How do you help with estate planning?
Most people in their 30s and 40s know they should have an estate plan but have not gotten around to it. Research shows 58% of millennials have no estate planning documents despite most saying it is personally important. If you have kids, a home, investments, or digital assets, that gap is a real risk.
I partner with EncoreEstatePlans to deliver core documents including powers of attorney, wills, and revocable living trusts starting at $750. For more complex needs I connect you with trusted estate attorneys. Estate plan review is included in ongoing financial planning.
Here is what most people do not think about until it is too late: if you die without a will, state law decides who gets your assets and who raises your children. Naming guardians for your kids and making sure your beneficiary designations are current are two of the highest-impact things you can do right now.
I also help clients think through digital asset inheritance, beneficiary coordination across retirement accounts, life insurance, and real estate, and how the upcoming Great Wealth Transfer may affect your own planning.
How do you help with real estate investing decisions?
Real estate is one of the most powerful wealth-building tools available to high-income earners, but it comes with tax and financial complexity.
I help clients think through buy, sell, rent, and hold decisions with an eye on the full financial picture. That includes depreciation strategy, bonus depreciation, cost segregation studies, 1031 exchanges to defer capital gains, short-term rental analysis including Airbnb and vacation properties, and depreciation recapture planning when it is time to sell.
I also help clients evaluate whether real estate makes sense as part of their overall portfolio alongside other assets and how to structure property decisions to minimize taxes over the long term. Real estate does not live in a silo and neither should your advice on it.
What does the onboarding process look like?
It starts with a free 30-minute intro call. If we are a good fit, I send a proposal and we move into a four-step process that takes most clients six to eight weeks from first call to completed financial plan.
Intro Call
Proposal + Agreement
Review questions and sign
Discovery Call
90-minute meeting centered around your values and priorities
Get Organized
Gather financial documents, confirm accuracy
Plan Presentation
Customized financial plan video sent in advance, a deep dive meeting to follow
Which brokerage or custodian do you use?
I custody client assets at Altruist, a modern, SEC and FINRA regulated custodian built specifically for independent RIAs. Altruist keeps costs low, offers a clean client portal, commission-free trading, and up to $3M in FDIC insurance on cash accounts. Client assets are segregated from company funds under the Customer Protection Rule.
Is there a minimum to work with Outlive Financial Planning?
There is no asset minimum. Ongoing financial planning starts at $250 per month. Investment management is typically for clients with portfolios between $500,000 and $3,000,000. If you are not sure whether you are a fit, an intro call is the right place to figure that out.
What's included in comprehensive financial planning?
Everything that affects your financial life. Tax planning and strategy, investment management, cash flow optimization, estate planning, insurance review, education planning, real estate analysis, equity compensation and RSU planning, and Bitcoin integration where relevant. I also coordinate directly with your CPA and estate attorney so every piece of your financial life works together rather than in silos. The difference from traditional planning is that I also factor in your health and your time, not just your net worth.