Financial Wellness Services

Our experience in financial services gives us a broad background in personal finance issues, and we are able to work on almost anything related to personal finance. Most of our clients are looking for Integrated Financial Planning & Investment Managment, as we are at our most effective working as your partner, coach, and co-pilot – we can be as involved in your finances as you want us to be, while keeping you in the driver’s seat.

As a Certified B Corp, one of our missions is to increase access to financial services for those who need them. These services are included for all our wealth management clients at no additional cost, but we have gone a step further and made our services available to everyone who needs them, on a sliding fee scale based on your ability to pay so that we can work on whatever problem brought you to us without having to sell you products or services you don’t want or need. If the fees listed on this page feel out of reach to you, please contact us and we can discuss pricing.

Budgeting • Cash Flow • Debt • Credit • College Funding • Student Loans• Home buying • Marriage & Divorce • Retirement • Insurance • Investment Strategy• Estate Planning • LGBTQIA+ Issues • And more.

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Fees & Service Models

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  • Financial Planning

    $2,100 for a Comprehensive Plan

    Or $300/hour for limited engagements

    it typically takes us 5-10 hours between meetings and prep time to generate a holistic financial plan. Limited engagements are also available depending on your needs. If at any time during our engagement you decide to transition from a planning-only engagement to one that includes investment management, we will credit any fees charged towards your eventual asset management fees.

  • Investment Management & Financial Planning

    1% of the accounts we manage for you

    We offer values-aligned investment portfolios and holistic financial advice in one package – this includes a full financial plan (developed over time) along with either a fully customized investment portfolio aligned to your values or one of our in-house managed model portfolios, which express our ‘house view’ on tradeoffs between sustainability, advocacy and risk management.

However you choose to work with us, our practice covers these areas:

  • Financial Planning

    Make a plan and stick to it

    Budgeting & Cash Flow, strategies to save, pay off debt efficiently, and set SMART goals that you can achieve.

    We also function as “Financial Quarterbacks”, working with the rest of your team: Accountants, Attorneys, and other professionals.

  • Retirement Planning

    Strategies for Retirement Income Planning

    Plan your transition from making money and saving to taking income from your investments. Which accounts do you draw from and in which order? How do Social Security, Medicare, and your retirement plan fit together? We put the pieces in place before you retire and prepare you for what’s coming.

  • Estate Planning

    Managing your Legacy and what’s left behind

    When you are gone, what do you want your money to mean? What impact do you want it to have, and how do you want to be remembered? Future generations depend on the decisions we make today, and we can help you make the decisions that are right for you. No two people have the same answers to these questions, and we function as a guide through the process.

  • Philanthropy

    Streamline your Charitable Giving

    What causes do you want to support? How much good is your charitable donation doing? Are you getting tax advantages from your charitable donations and could they be done in a more efficient way? These are the questions we can answer together.

  • Career Coaching

    Take your Career to the next level

    We invest in our clients so that they can invest with us. We want our clients to be fulfilled and happy, moving towards their goals with a support structure behind them. To support this, we’re always available to work on your resume, talk about your next career move, and be an outside, objective point of view to help you think through big decisions.

  • Student Loan Counseling

    Pre-and-Post College

    Whether considering taking out student loans, or paying back your loans, we can help understand and optimize your student loans. Are you on the right Repayment Plan? Do you qualify for Student Loan Forgiveness? Paying more than the minimum payment on your loans but the balance isn’t going down? We can help.

  • Protection Solutions

    Understand & Manage Risk

    Are you properly insured? How does your insurance package fit your overall financial life? We’ll review your insurance policies to see if your protection is appropriate and meeting your needs. Especially important if you don’t understand what you own.

  • Health Care Planning

    Manage the risks and costs of long term health care needs

    An important subset of protection planning, Long  Term Health Care is one of the biggest risks to any retirement plan. Whether you’re going to self-insure, you own insurance that you’re not sure is working for you, or you want to explore your options, we can help.

Our Cadre of Allied Professionals

We are very proud of the holistic nature of our work, and have created a Cadre of Allied Professionals* in order to fully meet our mantra of “Empowering Financial Wellness.”  We are driven to make sure our clients and their families have their entire financial houses in order, and have discovered that we need to have a group of ‘experts’ to turn to for the “heavy lifting!”

 

Senior Care Specialists

This group of professionals (who are all MSW, LCSW, C-ASWCM, or similar) is very proficient in helping families create a plan for their aging adults.  They liken themselves to the “Healthcare General Contractor” to build this needed program. They will be with the family every step of the way, from initial assessment to determining the level(s) of care needed, to implementation of the plan.

Medicare Planning and Insurance

These days there are many plans and solutions to solve the Health Insurance problem for Seniors.  And, more and more rules and deadlines all the time! These experts are trained to help find the proper solution, in the correct time frame, with the correct benefits to fit the clients needs. They will fully discuss the options, educating the client and building the plan with your needs and concerns in mind.

Student Coaching Service

This service is able to help college bound students with Test Prep, Scholarships and financial aid, applications, essays, school selection, interviewing and resume writing and tutoring in specific subjects that may be needed. We work with professionals that are members of the IECA, who are held to a higher ethical standard.

Mortgage Origination Experts

These experts know their way around the mortgage business and have multiple mortgage options which helps them ‘shop’ for solutions.  These folks handle both Forward and Reverse Mortgages (which are tricky, but have enabled a number of our clients to retire with dignity when used properly), as well as Lines of Credit. They are able to tackle the really tough situations, and have helped rescue some financial situations.

Attorneys and Elder Law Attorneys

These Attorneys have special practices set up in order to work through the legal maze of documents needed.  Elder Law, especially, has a lot of unique problems that need to be solved in order to protect and pass a family’s estate correctly. We will help direct you!

CPAs

We are pleased to be working with a number of CPAs with varying specialties. Accounting is a huge field and we decided long ago to find CPAs with different focuses. We will direct you to a firm that fits your needs, from simple returns to complex estates.

Want to Learn More?

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* Common Interests, Max Mintz, Michael Amoroso, Ruth Arriaza, Vanderbilt Securities LLC, Vanderbilt Advisory Services or any employee, officer, or director are not responsible for any actions or inaction taken or not taken by any member of the “Cadre of Allied Professionals” (“CAP”);  and no person or entity listed herein receives any hard dollars or soft dollars from persons or entities that are part of the Common Interest “CAP” and/or any person employed by any entity in the CAP