FINANCIAL PLANNING IN CHARLOTTESVILLE, VIRGINIA
You have money in several places and a sense that it all needs to fit together. Now you want someone to look at the whole picture, tell you where you stand, and give you a written plan for what comes next.
Fee-only
Flat-fee plans and percentage-based advice
We're paid only by our clients.
Your interest always comes first.
An owner-operated firm.
Your money is held at Fidelity or Schwab.
WHAT IT INCLUDES
A financial plan is a set of decisions that fit together. Your savings, your investments, your retirement timeline, your taxes, your insurance, and what happens to the people in your life. We look at all of it and give you a plan that makes sense of the whole picture.
We start with what's coming in, going out, and left over. How much you're saving, where it's going, and whether the pace gets you where you need to be.
When you can stop working, how much you'll have when you do, and what your income will look like once you're there. See our Retirement Planning page for the retirement transition itself.
How your money should be invested given your goals, your timeline, and what you already own. See our Investment Management page for ongoing portfolio management.
How your accounts are taxed today, how they'll be taxed in retirement, and the decisions you can make now that lower the bill later. Roth conversions, withdrawal sequencing, tax-loss harvesting.
We review your coverage and tell you what makes sense for your situation. Any recommendation is based on the plan, not a product we sell. Life, long-term care, disability.
Beneficiary designations, account titling, and whether your current documents match what you want to happen. We work through the basics and tell you when to bring in an attorney.
WHAT YOU RECEIVE
A written plan, in a format you can read and follow. It covers where you stand today, where you’re headed, and the specific decisions we recommend along the way.
Your full financial picture in one place: accounts, balances, cash flow, savings rate, investment allocation, and the questions you came in with.
The decisions you need to make, when to make them, and what order they go in. Each one specific to your situation, with the numbers behind it.
Can I retire at 62? Should I convert my IRA to Roth? Am I saving enough? We answer the questions you came in with directly, with the math behind them.
We walk you through the document together in a meeting. You ask questions, we make changes, and we keep going until it fits. You leave with a plan you understand and know how to use.
HOW IT WORKS
From the first call to the money being invested, the process is paced so you always know where things stand.
STEP 01
A free call with Frank. You tell him what’s on your mind, what you have today, and what you’re trying to figure out. He asks questions. By the end, you have a clearer sense of whether a financial plan is what you need and what working together would look like. Most calls run 30 to 45 minutes.
STEP 02
If we move forward, we gather your full financial picture. Account statements, pay stubs, a sense of your spending, any pensions, Social Security estimates, insurance policies, and the questions you want answered. We give you a checklist and we work through it together.
STEP 03
We take what we’ve gathered and build your plan. It covers the decisions you face, with the numbers behind them, in a format you can read and follow. It answers the specific questions you came in with.
STEP 04
We meet and go through the plan together. You ask questions, we make changes, and we keep going until it fits. You leave with a plan you understand and know how to use.
STEP 05
Some clients take the plan and put it to work on their own. Others decide they want help keeping it current and move their investment accounts to us for ongoing management. Either one works, and you decide after the plan is built, not before.
We work with clients in Charlottesville, Albemarle County, and across the surrounding Virginia communities, with some across the Commonwealth and beyond.
WHY PEOPLE CHOOSE US
A standalone financial plan is yours to keep. Written in language you can read, with the decisions, the numbers, and the reasoning behind them in a document you can act on.
You pay us directly for our advice. That's our only source of revenue. No commissions, no product kickbacks. As a fiduciary, we're legally required to act in your best interest.
Frank has built plans through every kind of market and every kind of life change. Job transitions, inheritances, divorces, early retirements, late retirements, families with special needs children.
The person building your plan is the person you talk to when you have a question. The same person, every time.
FREQUENTLY ASKED QUESTIONS
The first step is a free call. You’ll leave with a clearer sense of whether a financial plan is what you need and what the next move is.
