Financial Planning

Personal Financial Planning

Our Financial Planning Services Can Help You:

Save for Your Life Goals and Dreams

We’ll use the 3 Kinder questions to draw out what’s truly important to you. Then we’ll develop a blueprint.

Optimize 401(k), IRA & Brokerage Accounts

We’ll apply the 3 building blocks of investing: smart diversification, matching risk tolerance, and lowering cost.

Lower Taxes

We'll look into whether Roth/Backdoor Roth IRAs, HSAs, Roth and After-Tax 401(k)s, etc. would benefit you.

Pay Off Student Loans and Other Debt

We'll look whether Public Student Loan Forgiveness, refinancing, or various debt payoff methods can advantage you.

Retirement Planning

We’ll make retirement projections so you can be on track to live your lifestyle after retirement.

Save for Your Child's College

We'll advise you on the best 529 plan to open, how much to contribute, and which investment is best.

What You Get

You will receive the following:

Year 1

The District Capital Process

Our Financial Planning Process

START HERE

Discovery Call

Schedule free 30-min video call to discuss your goals, concerns, and see if we are a good fit.

BECOME A CLIENT

Onboarding & Setup

Sign contract
Set up payment
Share financial information
Dig Deeper Session (optional)
Create financial plan

MEETING #1

Overview of Your Financial Plan

Overview of your financial plan, goals, and net worth
Discuss major near-term action items
Discuss cash flow plan for savings goals

MEETING #2

Investments & Retirement

Retirement projections
Discuss retirement savings & market investing
Rebalance 401(k)s, IRAs, and investment accounts
401(k) rollover gameplan, if applicable
IRA contributions
Automate monthly investments

MEETING #3

Taxes, Debt & Credit

Optimize tax withholdings
Debt reduction strategies
Credit score tune-up

MEETING #4

Insurance & Estate Planning

Discuss strategies to protect your assets and how to pass them efficiently to your loved ones

OPTIONAL

Special Topics*

Education and college savings, 529 plans, UTMAs, etc.
Real estate and rental property investing
Buying a vacation home
Stock compensation (RSUs, ESPP, stock options)
Solo 401(k)s, SEP IRAs, SIMPLE IRAs
Starting a business & incorporating, e.g., LLC, S Corp, C Corp
Career change
Refinancing

*When relevant or upon request, these topics can be covered during our scheduled meetings.
Note: The topics presented above are examples. Actual meeting content & sequence will be customized based on the client’s needs.

Year 2 And Beyond

The District Capital Triannual Process

Winter

Winter Items

Achieved last year's goals?

Track net worth growth

Goal for New Year

Latest retirement projections

Change 401(k) & IRA contributions

Update monthly auto investing in brokerage

Spring

Spring Items

Rebalance 401(k)/IRA

Check tax return; adjust W4 witholdings

PSLF certification

Insurance review

Identity theft protection

Fall

Fall Items

Open enrollment decisions (medical insurance, FSA, HSA)

529 projections

Update 529 contributions

Roth conversions

Decide on RSU/ESPP shares

Estate planning tasks

The Value of Financial Planning

Quantifying The Value Of Financial Planning Advice

“The Kitces Report, Volume 3: Evaluating Financial Planning Strategies And Quantifying Their Economic Impact” by Kitces, 2015
“Quantifying Vanguard Advisor’s Alpha” by Kinniry, Jaconetti, DiJoseph, Walker & Quinn, 2022
“Alpha, Beta, and Now… Gamma” by Blanchett and Kaplan, 2013
“Capital Sigma: The Advisor Advantage” by Envestnet & PMC’s Quantitative Research Group, 2019