Financial Planning

Holistic Financial Planning For Professionals In Their 30s & 40s

Our holistic financial planning service is designed for professionals in their 30s and 40s who want a clear, personalized roadmap to build wealth, reduce taxes, and make confident financial decisions. We’ll turn your goals into a clear plan, and provide ongoing guidance to keep you on track.

Our Comprehensive Financial Planning Services

Life Goals & Values-Based Financial Planning

We’ll use the 3 Kinder questions to identify what matters most and align your finances with your goals.

Optimize 401(k), IRA & Brokerage Accounts

We’ll help you reduce hidden fees, diversify your portfolio, and pursue strong, risk-adjusted returns.

Strategic Tax Planning

From Roth conversions to Backdoor Roths, HSAs, and after-tax 401(k)s, we’ll explore every option to help lower your tax bill now and in retirement.

Student Loan & Debt Repayment Planning

We'll dig into whether PSLF, refinancing, or various debt payoff methods can advantage you.

Retirement Planning

We'll project your net worth now, in the future, and through retirement so you can get on track to retire by 55 and live the lifestyle you envision.

College Savings & Education Planning

We'll advise you on the best education account to open, how much to contribute, and which investments are best.

What You Get As A Client

You Will Receive The Following

A written, comprehensive financial plan, including personalized investment advice and advanced tax-savings strategy
A dedicated CFP® advisor who's with you every step
Referrals to trusted CPAs for tax preparation
Included: Comprehensive estate plan
Included: Free access to modern budgeting software
Zoom meetings every four months with CFP® advisor
Unlimited email support
Monthly personal finance tips
Quarterly investment updates
Ongoing investment guidance

What Personalized Financial Planning Looks Like

Sample Financial Plan

We deliver comprehensive, actionable advice so you can make confident decisions across every area of your financial life. Your personalized plan includes detailed retirement, tax, investment, and cash flow projections—covering every area of your financial life. You will also get access to our modern Financial Plan dashboard featuring 60+ actionable recommendations.

We are with you every step of the way with unlimited email support and one-on-one meetings every 4 months.

Click here to view a sample financial plan.

The example financial plan is purely illustrative and not intended as personalized advice. Your actual financial plan will be customized based on your individual circumstances, encompassing factors such as your current resources, goals, return needs, and risk tolerance.

Your financial plan is a dynamic document that evolves over time, and we are dedicated to continuously refining it as needed.

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.
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, 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

What Working Together Looks Like

Financial Planning Pricing

Annual Advisory Fee

Individuals

$6,000 – $9,600

($500 to $800/month)*

+

$900 Initial Planning Fee

One-time, charged when you become a client

A written, comprehensive financial plan, including personalized investment advice and advanced tax-savings strategy
A dedicated CFP® advisor who's with you every step
Referrals to trusted CPAs for tax preparation
Included: Comprehensive estate plan
Included: Free access to modern budgeting software
Zoom meetings every four months with CFP® advisor
Unlimited email support
Monthly personal finance tips
Quarterly investment updates
Ongoing investment guidance

Couples

$6,000 – $14,400

($500 to $1,200/month)*

+

$1,500 Initial Planning Fee

One-time, charged when you become a client

A written, comprehensive financial plan, including personalized investment advice and advanced tax-savings strategy
A dedicated CFP® advisor who's with you every step
Referrals to trusted CPAs for tax preparation
Included: Comprehensive estate plan
Included: Free access to modern budgeting software
Zoom meetings every four months with CFP® advisor
Unlimited email support
Monthly personal finance tips
Quarterly investment updates
Ongoing investment guidance

*Exact price will be determined based on complexity, assets and income.

Pricing Calculator

Do you have stock options?

Do you have RSUs or ESPP?

Are you a small business owner?

Do you have advanced tax planning issues?*

Is your gross household income?

Monthly Price: $550

Annual Total: $6600

+ Initial Planning Fee

*Rental property, beneficiary IRA, income abroad, annuity, concentrated stock, student loan forgiveness, or major life change

The above fee calculator is for informational purposes only and is provided to give an estimate of actual fees. Actual fees paid may vary significantly depending on the nature and complexity of the engagement with the Advisor. Fee calculator outputs are general in nature based upon information input by users and should not be relied upon as investment advice or a guarantee of any actual outcomes.

We offer pro-bono financial planning for DC, MD, & VA individuals who earn less than $70,000 per year and have less than $70,000 in total assets.

Frequently Asked Questions

What do I get with District Capital’s personal financial planning?

You receive a written, comprehensive financial plan and ongoing guidance from a dedicated CERTIFIED FINANCIAL PLANNER® (CFP®) professional. Your plan integrates your goals, cash flow, investments, retirement strategy, and tax planning opportunities, so your decisions stay coordinated.

You’ll meet with your advisor on Zoom every four months, and you can email us anytime between meetings. Your plan also includes a comprehensive estate plan, free access to budgeting software, quarterly investment updates, monthly personal finance tips, and ongoing investment guidance. And when you need it, we’ll connect you with vetted tax professionals for more specialized tax support.

Who is this service designed for?

Our financial planning is designed for busy professionals and families, often in their 30s and 40s, who want a clear strategy to build wealth, reduce taxes, and make confident financial decisions. Many clients are working toward retiring around age 55, but we tailor the plan to your goals and timeline.

We serve clients in Washington, D.C., Maryland, and Virginia, and we also work with clients virtually nationwide.

Are you fee-only and fiduciary?

Yes. We are a fee-only fiduciary firm. We do not earn commissions or receive compensation for recommending financial products. We are paid only by our clients and have a fiduciary duty to act in your best interest.

Do you help with tax strategy?

Yes. Tax strategy is a core part of our financial planning. While we don’t prepare tax returns, we help identify planning opportunities such as retirement account strategies, Roth planning, tax-efficient investing, charitable giving strategies, and optimizing withholding.

Is estate planning included?

Yes. Estate planning is included. You’ll receive a comprehensive estate plan as part of our service through our estate planning platform, and we’ll help ensure your documents and beneficiary designations align with the rest of your financial plan. This typically includes core documents such as a will, powers of attorney, and healthcare directives (depending on your state and needs).

How Do I Get Started?

Our holistic financial planning service is designed to help you build a clear, personalized roadmap toward your most important financial goals – whether that means retiring early, funding your children’s education, or growing long-term wealth with confidence.

The first step in working with us is a Discovery Call – a complimentary conversation where we get to know your goals, answer your questions, and see if we’re a good fit for each other.

Curious about what happens in that call? Here’s what to expect in a Discovery Call.