WHAT HAPPENS IN FINANCIAL PLANNING?

We take an individualized approach to financial planning-- translating who you are, where you are, and what's important to you into a comprehensive money strategy with step-by-step tactical guidance, helping you accomplish the things that matter most.


A welcoming, judgment-free zone means an opportunity to talk freely about your concerns, hopes, worries, and thoughts for the future. Our advice is tailored to you. 


Here's how the process works: 


  • Take inventory to understand what you have and where you are now
  • Determine what it will take to get where you want to be.
  • Identify and address your blind spots (e.g., hidden opportunities, weaknesses, and threats). 
  • Analyze the complex factors in your situation and how those factors affect each other.
  • Design an actionable money strategy that makes sense for you.
  • Automate and set up smart habits to start growing your wealth.
  • Optimize and implement changes to start achieving real, measurable progress.
  • Beat procrastination and save yourself from endless google searches-- your financial planner doubles as an accountability partner and outsourced financial expert.
  • Review, revise, and refine the details as life unfolds. 

DISCOVER | STRATEGIZE | IMPLEMENT | REFINE


Financial Planning Objectives to be Considered

We dig into the details, do thorough analysis, and deliver results plus our prioritized recommendations in plain English to help you make informed, confident decisions about your financial future. Some of the key objectives we often consider are:


Tax-Efficient Saving Strategies  


Financial Independence and Retirement Outlook are you on track? + tax diversification, withdrawal strategies


Investments | what, when, where, how, and how much (with consideration for tax implications)


Saving for Multiple Important Priorities


Cash Flow and Budgeting | aka, 'Where is my money going every month?'


College & Education Planning


Insurance: Life, Disability, Property, Casualty, Long-Term Care | what you need, how much, what kind, and where to find it


Student Loan and Debt Repayment


Career Trajectory + Income Planning career change, promotion, sabbatical, freelance income, etc.


Equity Compensation Analysis


Employee Benefits an objective look at your selections and suggestions to optimize 


Charitable Giving and Philanthropic Goals 


Estate Planning


Life Transitions starting a business, marriage, relocation, starting a family​​


Financial Prep | travel more + everything else you want to accomplish


SOUND FAMILIAR?

It's usually a combination of factors that prompts a potential client to reach out for financial planning.
 A few common themes we hear are:


"I'm not sure if I'm making the most beneficial choices and the stakes are getting higher. 


"It's time to 'be a financial grown up' now that I'm making more money."


"I want to take a more active approach to my finances, but I need help untangling technical topics like my investments, tax-efficient planning for my unique situation, equity compensation, debt repayment, etc."


"There's a big life transition on the horizon and I'd like to get prepared." [marriage, new child, relocation, career change, retirement, starting a business, taking a sabbatical, etc.]


"I'm frustrated by endless google searches and I want to find someone I trust to guide me through making decisions that are right for me."


"My income is higher than it's ever been, but it doesn't seem like I'm making any progress... what am I doing wrong?"


Who are our clients?

SINGLE PROFESSIONALS
YOUNG FAMILIES
COUPLES
BUSINESSES + ORGANIZATIONS

         

  SELECT THE PLANNING OPTION THAT MAKE SENSE FOR YOU...


Krista Smith, Founding Financial Planner and CFP®

It's been my experience that a lot of us (and especially the recovering perfectionists among us) feel one particular fear that can be paralyzing: the failure to reach the potential we see for ourselves. 

And without a doubt, money is one of the overwhelming factors that we aren't sure how to control. For a while, it's easy to ignore. You're in school, you're building a career, you're achieving big things-- maybe even starting a family, and you're checking items off the bucket list. 

But there comes a point when the questions get louder and more frequent--

"Am I saving enough? Am I making the right decisions? Am I investing the right way? (Is there a right way?) How do I balance so many priorities? Am I spending too much? Is there something I should be doing better? How do I know I'm on the right track?  Is there a way to be smarter about all of this?"

I know how hard it is to be consistent and proactive in making smart money decisions, especially when you just don't have the answers. In the years I've spent helping people improve their financial well-being and making plans to grow their wealth, there's one important lesson I've learned-- operating with intention gets results.

That's why I'm honored to have a tiny supporting role in your story-- it's exciting to guide, teach, and advise people like you who are ready to grow their wealth and get clarity about their financial lives. I look forward to working together to create an approach that works for you, an efficient plan that makes sense within the framework of your goals, motivations, and life.

Are you ready to get started?

Whether you blaze your own path or engage the help of an an expert, I believe it's always the right time to get organized, get strategic, and accelerate progress toward the future you've always envisioned.

Would you like to schedule an introductory meeting to learn more?

Want to learn more about Krista? Get her professional bio on LinkedIn.