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This is a demonstration website; nothing here is investment advice.
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What a plan covers
Twelve months of planning after a written plan: two meetings, questions by e-mail, and updates when life changes. It ends by itself.
AI-generated illustration. Not a real home or business.
A year of planning is $3,000 for twelve months: two meetings, questions by e-mail, and the plan updated when your life changes. It is billed $750 at the end of each quarter, for the quarter just worked, so nothing is paid ahead. It ends after twelve months and never renews by itself: a second year is a new agreement.
A year of planning follows a written plan. It is for the months when things move: the plan is in place, and then a child arrives, a job changes, the pension plan asks for a decision, or a business has its first full year, and the plan has to keep up.
Not every household wants one. Some have one decision in front of them, make it, and then have nothing to change for years; for them a written plan and the questions by e-mail that come with it may be all the planning they need.
Every written plan includes sixty days of questions by e-mail after it is delivered. After that you can ask questions by the hour, take a year of planning, or simply come back when something changes: a new child, a new job, a death in the family, a move.
Others have a year with several moving parts, where a question comes up every few weeks and each one touches the rest of the plan. The year of planning is built for them. Neither is the better choice in general, and which suits you is something to talk through at the first meeting.
Questions go by e-mail as they arise and are answered in writing, so each answer stays with the plan instead of in somebody's memory.
What counts as a change is wider than most people expect: a raise, an offer of steady overtime, a letter from the landlord, a relative falling ill abroad, a letter from the pension plan. Any of them can move one decision in the plan, and the year is there so that the question is asked when it comes up rather than months later.
When something changes, the plan changes with it: the part the change touches is rewritten, and the decisions after it are looked at again in order, because a change early in the list moves everything below it. An update is the old plan with its changed parts rewritten, not a new plan started from nothing.
The meetings are for the larger things: reading the plan through together, setting each assumption beside the year as it actually went, and putting the decisions that come next in order.
AI-generated illustration. Not a real home or business.Founder and planner · Also meets in Spanish
Writes retirement and household plans, and holds most first meetings herself.
Inés asks what a household wants before she asks what it has.
Inés reads every plan aloud with the people it is for before it is final.
The picture is a still of a desk, not a portrait. The person is fictional.
| What it is | What it covers | Fee |
|---|---|---|
| Questions after a plan | Billed by the half hour, after a written estimate. | $300 an hour |
| A year of planning | Two meetings, questions by e-mail and the plan updated; billed at the end of each quarter; never renews by itself. | $3,000 for twelve months |
After the year there is nothing to cancel. If you want a second year, it is a new agreement, written and signed like the first; if you would rather ask the odd question by the hour, the hourly line above applies.
You can end any agreement at any time, in writing. You pay only for the work done up to that day, and anything you paid for work not yet done is refunded within thirty days.
Every way of being paid has a pull in it. A flat fee can reward doing less work; an hourly fee can reward taking longer; a year of planning can reward keeping you as a client. A real planner names these and tells you how it handles them: here, the scope of every plan is written down before it starts, every hours estimate is in writing, and the year of planning ends by itself.
A written plan, $2,400 or $3,600
Every source of income you will have, in the order you can draw on it, and the decisions in front of you, written down in plain words.
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.
A written plan, $2,400 or $3,600
Uneven income, a business that is most of what you own, and a household that still needs its own plan.
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.
