Hourly Financial Planning
Together Planning's financial planning services are designed for do-it-yourself investors. We will help you identify and develop your goals, take inventory of the resources that can help you meet them, and develop an actionable plan to increase the likelihood of success in meeting your goals.
Our comprehensive financial plans are written in plain English so anyone can take our recommendations and implement them on their own. However, Together Planning is also available to provide support and is available for ongoing financial planning check-ups on an as needed basis.
Hourly Financial Planning Topics
Cash Flow & Retirement Counsel
Advice to equip you to efficiently reach your goals.
- Retirement timing
- Tax-efficient withdrawal strategies
- Social Security claiming strategies and pension election
- Tax planning strategies to reduce income taxes where possible
- Education funding analysis
- Home purchase decisions
- Employee benefits review
- Charitable giving strategies
Investment Analysis
We analyze your current investments and whether they are appropriate given your goals, risk tolerance, and time horizon.
- Review of existing investments and their costs
- Development of risk tolerance profiles and appropriate asset allocation
- Recommendations on specific mutual funds or ETFs to purchase
Insurance Sufficiency
Evaluation of types and amounts of insurance needed based on your goals.
- Assessment of insurance needs
- Review of existing coverage
- Specific insurance recommendations
Estate Planning Design
Assist you, executors, or trustees in estate plan decisions.
- Identify estate planning goals
- Review of current estate design
- Determine if alternate design is more efficient based on your goals
Hourly Financial Planning Process
Our process is designed to be flexible and customized to the needs of our individual clients. Below is an outline of our typical planning process, but we discuss what makes the most sense for your situation during our Get Acquainted meeting.
1. Initial Inquiry. Contact Us to learn more about our services and and schedule a free Get Acquainted Meeting.
2. Get Acquainted Meeting. We will meet in-person or virtually to discuss your needs and objectives, whether our services are right for you, and provide you and estimate for the cost of our services.
3. Data Gathering and Initial Preparation. At the conclusion of our Get Acquainted Meeting you will be provided with a checklist of documents we will need to complete your financial plan. After we receive your documents, we will ask clarifying questions if needed and schedule your Plan Presentation Meeting.
4. Interactive Goal Setting. As we complete your financial plan we may reach out to clarify information you have provided thus far and refine the financial goals and objectives we identified in your Get Acquainted Meeting.
5. Analysis and Plan Formulation. We will analyze the information you provided and review various options and opportunities to achieve each planning objective. We will then create our final report including our observations, assumptions, and specific recommendations with an action plan.
6. Presentation of your Financial Plan. At your Plan Presentation Meeting, we will review your financial plan and our recommendations. You can then implement your financial plan on your own or Together Planning can assist in implementing your plan at our current hourly rate.
7. Financial Checkups. Financial planning is a process, not a one-time event. Periodic update meetings are essential to maintain good discal health. We recommend you schedule review meetings every 12 to 24 months, or as circumstances arise.
Hourly Financial Planning Fees
Together Planning financial planning fees are based on the actual time involved meeting with you, analyzing your current situation, and developing your plan. A firm fee estimate is provided for your initial plan at the end of your Get Acquainted meeting. Future financial planning services are billed at our hourly rate of $270 per hour.
Sample Engagements
Level 1 Plan. Designed for young professionals and recent graduates, Level 1 plans include the following services:
- Emergency fund vehicle and target amount
- Debt repayment strategies
- Employee benefits review
- Target asset allocation
- Home purchase decision
- General advice around insurance
- Basic estate planning advice
Typical Cost: starting at $1,350
Level 2 Plan. Designed to provide confidence and direction for your retirement, as well as an in-depth review of your investments:
- Everything in a Level 1 Plan plus…
- Analysis of your current retirement savings
- Evaluation of your current investments & their fees
- Recommended asset allocation with specific guidance on security selection across your different types of accounts
- Specific advice on types and amounts of insurance
- Specific advice around estate design
Typical Cost: starting at $2,700
Level 3 Plan. Our most comprehensive planning offering for individuals and families with complex planning needs:
- Everything in a Level 2 Plan plus…
- Evaluation of deferred compensation and stock options
- Guidance on variable annuities
- Charitable giving strategies and irrevocable trusts
Typical Cost: starting at $4,860
Plan Update. For returning clients, Together Planning provides reviews to update our prior analysis.
- Updates to your existing financial plan based on changes to your cashflow
- Review of your investment portfolio and specific guidance on rebalancing as necessary
Typical Cost: starting at $2,160
Forms & Next Steps
Prior to Get Acquainted Meeting
For prospective clients interested in working with Together Planning to worry less and enjoy life more, please reach out via the ‘Contact Us’ link in the menu above and submit a form.
Prior to Plan Presentation Meeting
As we enter the information gathering phase, we’ll provide a list of documents we need to complete our analysis and formulation of your financial plan.
Requested files can be securely uploaded via the link provided in your onboarding email or mailed to our Gainesville, Jacksonville, or Roswell office. If you need us to re-send this link, please reach out to your Together Planning advisor.
Returning Clients
For existing Together Planning financial planning clients engaging in a review of your plan, contact Together Planning using the ‘Contact Us’ link in the menu above to schedule an appointment with your advisor and receive a new link to securely upload documents.