Life is messy.
Your money doesn’t have to be.

Let’s get your money right.

Life is messy. Your money doesn’t have to be.

Let’s get your money right.

Ongoing Financial Planning Process

We are your sounding board and trusted guide, providing full financial life planning for your unique needs. We help you think BIG and paint what your greatest life looks like if money had no limits. We also know life isn’t drawn in a straight line. Do you have a time sensitive issue? That’s what we’ll handle first.

The initial phase is 6 months. Want to move slower?

No problem. You’re in charge.

First, let’s chat

Schedule a free consultation so we can get to know each other. We’ll discuss your life, your questions and what your ideal advisor relationship looks like. We’ll share our process and how we can help you. At the end of this session, there won’t be a hard sell. In fact, there won’t be any sell at all. This is too big of a financial decision to make on the spot.

You’re a client now. Yay!

Time to take a deep breath knowing you have a financial guide leading the way.


Ok, now what??

In this session, we’ll take a deep dive into your current situation and what’s most important in your life. We’ll talk about:

  • Your money mindset
  • What are your concerns, big or small?
  • What do you envision for your ideal life? Not only long-term but in the next 3 months? 1 year? 2 years?

If there are time sensitive issues, we’ll address them in this session. We’ll chat numbers. We also know behind these numbers are real people.

We’ll create awareness of where your money is going to ensure it’s aligned to your priorities, values, and building your ideal life. Our job is not to judge you on how you spend your money. It won’t be perfect and we’ll fine-tune over time.

We’ll get organized and gather any documents in our secure portal we haven’t already collected along the way. Getting your financial info organized in one place FEELS SO GOOD.

We’ll present the information we’ve been gathering along the way to show where you stand now. This might be the first time you’re seeing your financial life (assets, liabilities, income, expenses) altogether in one place. We’ll discuss trade-offs, explore planning opportunities, and have some “AHA” moments.

We’ll discuss which obstacles stand in the way of building your ideal life and what, how and who is going to help you conquer them.

Here we discuss your investment plan to propel the ideal life you’ve been describing to us along the way. We’ll review your equity compensation strategy, tax planning considerations, review risk/reward options, and the timeline for reaching your 3-month goals, 2-year goals and beyond.

Our role is to educate and empower you to know the “why” behind the investment plan. We’ll demystify the investment jargon into plain English.

We’ll conduct a full needs analysis of your existing insurance policies (life, auto & home, disability, umbrella, health, long-term care).

We’ll review estate planning needs (Will, Trusts, Power of Attorney, etc.) and provide recommendations as needed to outside professionals.

Along the way, we’ve been executing and making wins. Look at you, mastering your money!

After all, small steps lead to big leaps. We’ll use this time to review anything we haven’t yet addressed or need to circle back on. Your accountability partner and sounding board is here for you.

One thing about life is that it, well…keeps changing. Financial planning is an ongoing process and after the initial phase, we’ll meet two times a year (Spring and Fall) to proactively plan. Planning topics may include:

  • Budget and cash flow
  • Tax planning
  • Equity compensation
  • Retirement planning
  • Preparing to buy a home
  • Preparing to start a business
  • Charitable giving
  • Evaluating a job offer
  • Renting vs. buying a home
  • Buying vs. leasing a car
  • Education planning
  • Debt planning
  • Family planning
  • Preparing to provide financial support to parents or other family members
  • Investment management
  • Preparing to take a sabbatical
  • And whatever else life throws your way!

If there is a life change, big or small, we want to know about it. If you’re not sure who to ask, ask us. We want to hear from you. You’ll also have unlimited email support so no more searching the internet for answers to financial questions. We’ve got you covered.

Financial Planning Costs

Our flat, 12-month fee is based on the complexity of your situation and starts at $5,500 for individuals and $7,000 for couples with the option to pay monthly ($458/$583) or quarterly ($1,375/$1,750). During our initial call, we will present a price proposal that fits your household.

The fee is reviewed every 12 months and is adjusted if your financial situation has changed. We don’t like surprises and will review this with you in advance.

Investment Management

Providing an investment strategy aligned with your ideal life is part of the financial planning fee. If you want FirstGen Wealth to manage your investments, we use a third-party custodian and the first $400,000 of investment management is included in the fee. After that, the fee is 0.25%. This means, for every $10,000, the annual cost is $25. We do not have account minimums.

Want to implement the investment strategy we provide to you?

No problem. We do not require you move your accounts to us.

There will also be times when it doesn’t make sense for us to manage your account.

For example, if we determine a backdoor Roth strategy makes sense for you, we’ll recommend you leave your old employer 401k in a work retirement plan.

We intentionally keep the fee low to be compensated for our time, but it does not drive recommendations.

Our Guiding Principles When Investing Money