Standalone Financial Planning

worry less. enjoy more.

Together Planning’s standalone financial planning is designed for investors who prefer to manage their own accounts but who seek expert financial guidance from time to time. Whether you need a professional second opinion or help navigating a major financial decision, we provide clear, actionable recommendations to help you move forward with confidence.

Our financial reviews are written in plain English, making it easy to implement recommendations on your own. If you ever need additional support, Together Planning is available for financial check-ups as needed.

Topics Process Pricing FAQs Get Started

Financial Planning Topics

Retirement Planning

Are you on track to reach your financial goals? We provide guidance on key decisions, including:

  • Retirement timing and probability of success
  • Retirement income planning and withdrawal strategies
  • Social Security claiming strategies and pension election

Investment Analysis

Is your investment portfolio aligned with your goals and risk tolerance? We help answer questions such as:

  • Are your current investments cost-effective?
  • Does your portfolio match your risk tolerance?
  • Which mutual funds or ETFs should you consider?

Tax Planning

  • Tax planning strategies to reduce income taxes where possible
  • Charitable giving strategies
  • Planning for the sale of a business, stock options, real estate, or other special assets

Insurance Planning

  • Comprehensive insurance review
  • Employee benefits review and recommendations
  • Long-term care planning

Estate Planning

Have you structured your estate plan efficiently? We help you consider:

  • What are your estate planning goals?
  • How is your current estate plan designed?
  • Are there alternative strategies that better align with your objectives?

Financial Planning Process

Our five-step financial planning process is designed to provide you a structured, actionable financial review tailored to your needs.

A complimentary call to determine if Together Planning’s hourly services are the right fit for you. To schedule your call, click here. (15 min, free)

If you choose to move forward, we’ll provide an engagement agreement and a secure document link to collect your financial details.

We’ll review a preliminary financial plan that outlines key areas of your financial picture. During this session, we’ll discuss potential recommendations, refine assumptions, and address any questions to ensure the final review reflects your unique situation and goals. (2 hours)

Within a week, you’ll receive a concise, action-oriented financial review summarizing key findings and recommended next steps. You’ll also have two months of follow-up access for any questions.

As your financial situation evolves, you can schedule additional hourly sessions at our current rate. (as needed)

Services and Pricing

We offer transparent, hourly financial planning with no asset minimums or long-term commitments.

Comprehensive Financial Plan

One-time plan generally $4,950
no ongoing costs or hidden fees

Covers all major areas: retirement readiness, investment strategy, tax efficiency, estate and insurance planning

2-hour consultation to review key recommendations

Your finalized review will be delivered shortly after your meeting and will include clear, actionable next steps.

Ongoing Planning

($300/hr – For Returning Clients)

Available for plan updates, financial check-ins, or additional guidance

Often used for returning clients who have already completed a comprehensive plan, or for clients that have unique, limited needs.

Frequently Asked Questions

The fee reflects the time and expertise involved in analyzing your full financial picture, preparing personalized recommendations, and delivering a structured financial review. This process includes 15 hours of in-depth financial analysis, to help make your plan clear, actionable, and tailored to your goals.

We believe so – this is an investment in your financial future, not just another expense. Our planning process is designed to help you:

  • Avoid costly mistakes with investing, insurance, and estate planning
  • Optimize savings & investments for long-term financial security
  • Reduce unnecessary investment expenses by selecting cost-effective options
  • Gain clarity and confidence knowing exactly what steps to take

For those who want expert guidance but prefer to manage their own investments, hourly planning provides a clear, actionable roadmap with no ongoing fees. Others may prefer an ongoing advisory relationship, and our firm offers both options depending on what best suits your needs.

No. The $4,950 financial review is a one-time fee. If you need updates or additional answers later on, you can book additional sessions at our hourly rate of $300 per hour.

A financial review covers your entire financial picture, including investments. Investment decisions don’t happen in a vacuum—they should be aligned with your retirement goals, tax strategy, and broader financial plan. Reviewing only one piece in isolation can lead to inefficiencies and missed opportunities.

Your review includes:

  • A customized, step-by-step financial summary tailored to your goals.
  • A 2-hour consultation to walk through findings and recommendations.
  • A finalized document with clear next steps.
  • Two months of follow-up support to address questions as you implement recommendations.

If you’re unsure, we offer a free 15-minute introductory call where we can discuss your situation and see if financial planning makes sense for you. There’s no pressure—just an opportunity to ask questions and learn more.

No problem. Many clients start without everything perfectly organized. We’ll guide you through what’s needed and work with what you have to ensure the review is still valuable.

The financial plan includes clear, step-by-step action items, and you’ll have two months of follow-up access to ask questions as you start making changes. If you need additional guidance after that, returning clients can book hourly sessions as needed.

Our standard financial plan starts at $4,950 which covers approximately 15 hours of work and includes a comprehensive review of your finances, personalized recommendations, and two months of follow-up support.

Some clients may require additional planning time due to added complexity. Common examples include:

  • Security-by-security recommendations for large taxable accounts
    • Carefully planning which investments to sell—taking into account unrealized gains, tax lots, risk exposure, and fund fees—can be time-intensive but helps minimize taxes and improve overall portfolio efficiency.
  • Equity compensation planning
    • Guidance on RSUs, ISOs, NSOs, and ESPPs, including tax timing, diversification strategies, and cash flow planning.
  • Business ownership or self-employment
    • Including retirement plan setup, estimated quarterly taxes, income smoothing, entity structure evaluation, business valuation, and sale advice.
  • Rental real estate investing
    • Evaluating income, expenses, depreciation, financing, and tax treatment of investment properties within the broader financial plan.
  • Advanced estate planning strategies
    • For higher-net-worth families potentially subject to estate taxes, we may review trusts, gifting strategies, and other planning tools in coordination with your estate attorney.

Ready to get started?

Schedule your introductory call, where we’ll discuss your needs and objectives and whether our services are right for you.

Schedule your introductory call

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