Process & Pricing

At Recalibrating Wealth, we believe financial planning is an ongoing journey, not just a one-time event.

Together, we’ll regularly review and recalibrate your finances to your evolving goals so you can confidently adapt as life changes. We’re here to guide you through each step, making your financial decisions clearer and more intentional, and helping you build a financial foundation that grows with you.

Whether you’re just starting to get a handle on your finances or are seeking deeper, ongoing guidance, we offer support that fits your unique needs.

What does ‘Comprehensive Financial Planning’ even mean?

Comprehensive financial planning is a means of taking a holistic view of your entire financial life and linking each piece together to support your unique goals, values, and priorities.

We begin by understanding what truly matters most to you, then create a dynamic plan that evolves as your life changes. At its core, this approach is life-centric and strives to connect your money to your broader vision, so your finances work intentionally to build the future you want while supporting your present needs.

Topic We’ll Cover:

Life Planning

Craft a vision for your future that inspires you and can serve as a north star for all other planning discussions.

Cash Flow

Create a clear and sustainable spending and saving rhythm so daily decisions support long-term goals without constant second-guessing.

Investments

Align your portfolio with your unique time horizon, risk, and tax considerations to compound your wealth wisely.

Tax Planning

Coordinate income, investments, and available employee benefits to help you keep more of your money working toward your goals.

Retirement

Explore the path to financial independence, clarifying how much is “enough” to you and what levers to pull to get there.

Estate Planning

Review any current documents and plans in place to ensure your wishes are honored and loved ones protected.

Insurance

Review your insurance needs to identify gaps and ensure your family is appropriately covered for unexpected events.

Education Planning

Build flexible and personalized education saving plans that prepare for future costs without undermining other goals.

Employee Benefits

Examine available employer-provided benefits and assist during open enrollment to optimize benefits.

Gifting

Structure personal and charitable gifting to maximize impact, tax efficiency, and family meaning across generations.

How our client onboarding process works

  • A free, no-commitment conversation to determine we’re a good fit.

    We want to get to know you, learn more about your current circumstances, and understand what you’re looking for. We’ll also help answer any questions about the process you might have.

    If we’re a good fit to work together, we’ll move on to scheduling a Discovery call. If not, we’re happy to help you find a planner better suited to your needs.

  • Let’s talk more about your goals, priorities, and current financial situation.

    We’ll review at a high level your current financial situation, identify some planning opportunities, and discuss how we can best work together.

    After this meeting, we’ll mutually decide if we’d like to work together. If so, we’ll get the paperwork taken care of so we can get started!

  • What does your ideal life look like?

    We’ll explore your core values, vision, and financial goals to clarify how money can support your ultimate vision.

    Unsure of your goals or vision? Don’t worry, we’ll guide you through the process together.

    This conversation helps set the context for all future planning.

  • Let’s make sure we have a clear picture of your financial situation.

    We’ll work together to gather and organize all relevant financial information, including assets, debts, and important documents.

    This process provides clarity on what you own, owe, and how it all fits together, establishing a solid foundation to begin creating your personalized financial plan.

  • Time to put it all together!

    Next, we’ll bring everything together through a detailed review of your financial picture and personalized recommendations.

    We’ll discuss specific action items, set clear timelines, and align on next steps to ensure you know what to do, when, and how.

  • One-Time Plan Implementation:
    We’ll provide you with a financial roadmap as you take the lead on implementing the plan and recommendations we’ve discussed.

    If you decide you’d like more support, transitioning to an ongoing planning partnership is always an option.

    Ongoing Plan Implementation:
    We’ll work together to prioritize and implement the most important and/or time-sensitive parts of your plan first.

    During the first year of working together we’ll collaborate regularly to make progress. Then we’ll shift to a monitoring approach that keeps your plan aligned with your goals as they evolve.

Schedule a call

Services & Pricing

Why choose Recalibrating Wealth?

  • We are fee-only. No commissions or product sales. Ever.

  • We are fiduciaries. We’re legally and ethically committed to acting in your best interest at all times.

  • Transparent pricing. No hidden fees, so you know exactly what you pay.

  • No portfolio minimums. We can support you and offer services tailored to your unique situation, wherever you are on your financial journey.

  • Over a 2-3 month period we’ll help you to gain a clear snapshot of your financial life, clarify your goals, and develop timely recommendations.

    You’ll walk away with a new level of confidence in your financial picture and a set of clear action items you can implement to effectively manage your financial journey on your own.

    • Individuals with relatively simple financial situations

    • Disciplined do-it-yourselfers who value a professional review of their finances

    • Those wanting to experience the benefits of financial planning before committing to an ongoing relationship

    • Anyone looking for a focused, strategic plan to organize their finances and set clear next steps on their own terms

  • Starting at*:

    • $3,000 for singles

    • $4,500 for couples

      *Additional fee may apply for increased complexity (e.g., equity compensation, business owners, etc.)

      We can also work with you on an hourly basis for specific financial planning projects at a rate of $300 per hour. Typically a minimum of 3 hours is required.

One-time Financial Review

Ongoing Financial Life Planning & Wealth Management

  • We don’t just help you create a plan, we partner with you to bring that plan to life. Initially, we’ll explore your goals, values, and priorities, and develop a personalized plan that focuses on consistent progress. Thereafter we’ll check in multiple times a year to track progress, adjust strategies, and manage the many moving parts of your financial life.

    Investment management is included, allowing for tax-advantaged investing and professional coordination with other aspects of your financial plan.

    • People who prefer to delegate and value ongoing support from a trusted financial guide

    • Busy professionals without the time, interest, or temperament to manage a complex financial life alone

    • High earners (~$250k+) with evolving, complex situations, whether or not they have significant investable assets yet (see our subscription tier below)

  • One fee covers both financial planning and investment management.

    We offer two payment tiers (no minimum portfolio size required):

    Subscription-Based Fee

    • Generally for clients with less than $600,000 in investable assets*

    • Flat fee starting at $6,000 per year** (billed monthly)

    OR,

    Asset-Based Fee

    • Generally for clients with more than $600,000 in investable assets*

    • Fees start at 1.00% and decrease to 0.50% based on assets managed

    • Minimum fee of $6,000 per year** (billed quarterly)

    *Investable assets for fee purposes are only assets we manage for you directly at Recalibrating Wealth, not 401(k) assets, home equity, or bank cash.

    **Fee and the investable-asset level at which a client transitions to asset-based pricing, may be higher depending on complexity (e.g., equity compensation, business owners, etc.)

Your best life deserves a plan. Get started today.

1) Talk with us

Let’s get to know each other. We’ll connect for a simple, free, no-commitment conversation to see what your pain points are and if we’re a good fit to work together.

2) Start planning

We’ll collaborate to create a complete picture of your finances and to clarify your personal goals, values, and vision of a rich life. Then together we’ll build a plan that gets you excited!

3) Live your best life!

Next comes implementation. We’ll partner with you each step of the way, recalibrating as life happens, giving you the confidence to live life fully and on your terms.

Schedule a Call