The first meeting costs nothing, and you don't have to hire us after it.
This is a demonstration website; nothing here is investment advice.
37-32 61st Street, Woodside, NY 11377
What a plan covers
Uneven income, a business that is most of what you own, and a household that still needs its own plan.
AI-generated illustration. Not a real home or business.
For many owners here, a grocery, a salon, a contracting crew, a car service or a restaurant, the business and the household have long shared one account. The rent and the supplier are paid from the same place, and at the end of the year it is hard to say what the household actually lived on.
A plan for an owner starts by pulling the two apart on paper: what the business pays you, and what the household spends. It is not a judgment on how you run the business. It is the only way to see the household's own plan at all.
AI-generated illustration. Not a real home or business.Planner · Also meets in Bengali
Writes plans for small-business owners and for households that support family abroad.
Farhan keeps the business's money and the household's money on separate pages, because they are different questions.
Farhan writes down every assumption a plan makes, so a client can disagree with it.
The picture is a still of a desk, not a portrait. The person is fictional.
A wage arrives on the same day every pay period. An owner's pay arrives when the business can spare it, and in some trades much of the year's income comes in a few busy months.
A plan for uneven income builds the household's month on the lean months rather than on the average, and treats a good month as a set of decisions to make when it comes: what goes aside for the next lean spell, what goes back into the business, what goes to the household's goals.
Seasons, contracts, holidays, a lease coming up for renewal: the plan writes down what you already know about the pattern.
That figure, from your own records, is the floor the rest of the plan stands on.
Your CPA and your own books answer this; the plan makes sure the household does not count the same money twice.
For many owners the business is the household's largest possession and its only income at the same time. A plan lists it beside everything else and asks the questions that follow from that.
The first question leads to your agent or broker, the second and third to your attorney, and the last, with its tax side, to your CPA. The plan writes each one down for the person who can answer it.
Only a person licensed in New York may call themselves a certified public accountant or a CPA, and nobody here is one. Where a plan touches a tax return, the question goes to yours.
The plan reads the business's figures from what your CPA has already prepared, and keeps no books of its own for the business. Where the plan meets the business's taxes, it writes the question down for the person who signs your tax return.
The detailed plan's row names a household with a business, because two kinds of money take more setting out than one. Which of the two fits is said at the first meeting, and written into the agreement before anything is billed.
| What it is | What it covers | Fee |
|---|---|---|
| Written plan | One household, up to two goals, two meetings and the written plan, with sixty days of questions by e-mail. | $2,400 |
| Detailed written plan | A household with a business, two retirement systems, a home purchase or family abroad: two meetings and the written plan, with sixty days of questions by e-mail. | $3,600 |
A written plan is billed in two halves: $1,200 (or $1,800 for a detailed plan) when you sign the written agreement, and the same again when the plan is delivered, which is within ten weeks of the agreement. No fee is billed more than three months ahead.
A written plan, $2,400 or $3,600
Where the month's money goes, how large a reserve to keep, and which debt to pay down first, in a plan you can follow.
Part of every written plan
Which accounts to save into and draw from, and when, set out as questions for the person who prepares your tax return.
Part of every written plan
A list of what you own and how each part would pass, and the questions for the attorney who drafts the documents.
A first meeting costs nothing, gives no advice and asks nothing of you afterwards: about forty-five minutes, at the office or by video. The office replies in office hours.
