Financial plans built on your reality, not a template
Comprehensive financial planning
Wide-ranging services. With a specialty in education planning.
My background is in education. Our sister company, Tributaries Educational Consulting, helps families navigate financial aid, scholarships, and tuition strategies as part of the education planning process. Tributaries Financial Planning takes that a step further, integrating education costs into your broader financial plan so that aid strategy, 529 decisions, and tuition planning work alongside your savings, investments, and long-term goals. Clients who work with both receive partner pricing on educational consulting services.
Specialized Pricing
Choose the right tier for you
As a fee-only Registered Investment Advisor (RIA) and fiduciary, I’m legally required to put your interests first. No product sales, no hidden conflicts. When the right answer is a referral to someone with different expertise, I’ll tell you and help you find the right person.
Tier 1
Foundations
What's included?
- 2 virtual meetings per year (60 minutes each), scheduled when you need them
- Client portal messaging for quick questions (plan-related questions requiring research or analysis are addressed in meetings)
- written financial snapshot focused on foundational goals, updated annually
- Premium webinar access and recordings
- Coordinated planning with Tributaries Educational Consulting for clients using both services
Planning scope:
Guidance and coaching on financial foundations including budgeting and cash flow, debt management, emergency fund strategy, employee benefits optimization, education savings basics, and financial goal setting.
What is a financial snapshot?
A written summary of where you stand today: a clear picture of your income, expenses, debts, savings, and progress toward your goals, with specific recommendations for what to focus on next. Think of it as a checkup: focused, actionable, and designed to get you moving in the right direction.
Tier 2
Growth
- Everything in Tier 1
What's included?
- Up to 6 virtual meetings per year: 5 regular check-ins (45 minutes) and 1 annual planning session (90 minutes)
- Written financial plan with targeted detail across your chosen focus area, updated annually
- Option to designate one focus area for deeper planning (e.g., education savings strategy, retirement planning, business planning)
- Coordination with outside professionals (CPA, attorney, insurance agent) up to 1 joint call per year
- Coordinated planning with Tributaries Educational Consulting for clients using both services
Planning scope:
Everything in Tier 1, plus targeted planning across one client-selected priority. Available areas include retirement planning, education savings strategy (529 analysis, financial aid optimization, award letter review), tax planning, insurance and risk management, estate planning, and business planning. The client directs which area to focus on.
What is a financial plan?
Tier 3
Complete
- Everything in Tier 2
What's included?
- Up to 10 virtual meetings per year: 8 regular check-ins (45 minutes) and 2 extended planning sessions (90 minutes)
- Priority client portal messaging (48 business-hour response) with proactive outreach on topics relevant to your plan
- Comprehensive written financial plan covering all areas, updated annually with a mid-year review
- Coordination with outside professionals (CPA, attorney, insurance agent) up to 3 joint calls per year
- Proactive check-ins when market conditions, tax law changes, or life events affect the plan
- Coordinated planning with Tributaries Educational Consulting for clients using both services
Planning scope:
Full comprehensive planning across all areas simultaneously, proactively managed. Instead of the client choosing which areas to focus on, the advisor evaluates the entire financial picture, identifies how decisions in one area affect others (e.g., how education savings choices affect retirement timelines), and proactively manages the full plan. No area is left unexamined.
You can adjust tiers at any time. All plans come with a 30-day, money-back guarantee.
Not sure which one to choose? Check out our Comparison Table.
Fees are based on the complexity of your financial situation, not just the tier you choose. During our initial conversation, we’ll work together to determine the right fit and fee. If your needs change over time, we’ll revisit your fee together with advance notice and your written approval.
You’ll always know what you’re paying and why.
AUM
Investment Management
What's included:
- Available standalone or as an add-on to any planning tier
- No account minimums
- Fee-only, no commissions or product sales
Fee Details:
| AUM | Annual Fee |
|---|---|
|
Under $60,000 |
$25/month flat |
|
$60,000 – $250,000 |
0.50% |
|
$250,001 – $999,999 |
0.75% |
|
$1,000,000 – $2,499,999 |
1.00% |
|
$2,500,000 – $4,999,999 |
0.75% |
|
$5,000,000+ |
0.50% |
- The advisory fee is a straight tier.
- Billed monthly in arrears based on average daily balance
- Household accounts may be combined for fee calculation
- All fees negotiable
Standalone
Project-Based Planning
- No ongoing commitment
- Available to anyone
Example projects:
- Education Savings Plan
- Award Letter Analysis
- Benefits Optimization Review
- Retirement Readiness Check
- Debt Payoff Strategy
- New Business Financial Plan
- Comprehensive Financial Plan
Clear Process
Five Steps To Meet Your Goals
TELL US ABOUT YOURSELF
A few quick questions so we know who we're talking to and what's on your mind.
SCHEDULE YOUR DISCOVERY MEETING
Pick a time that works for you. After you book, we'll send a more detailed questionnaire so our first conversation can focus on what matters most.
DISCOVERY MEETING
A free conversation about your priorities, what's most urgent, and what working together would look like. This is also where we determine the right service level and fee based on your situation.
Plan development
A clear, written plan with concrete recommendations and next steps, built collaboratively over your first meetings.
Ongoing care and education
Putting recommendations into action, coordinating with other professionals when needed, and regular meetings to review progress and adjust as your life changes.