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How does your process work?

First, we set up a phone consultation.  This is a simple 30 minute phone call to answer two questions:

  • Can Westchase Financial Planning help you with your financial goals?
  • Are you interested in learning more about how we can add value to your unique situation?

If the answer to both of those questions is “Yes,” then we set our first in-person meeting. This is an information-gathering meeting where we learn more about what matters most to you. At the end of this meeting, we will have a good idea if a one-time financial review or a long-term financial planning relationship is best for you.

Long-term financial planning relationship.  Many times, a one-time financial plan is overwhelming.  Perhaps you just don’t know where to start or you can’t carve out enough time to do what needs to get done. In a long-term financial planning relationship, we walk with you side-by-side and address all of the aspects together.

  • We help you figure out what the first steps are and how to get started. 
  • We cover everything that needs to get done.  We break down everything into focused appointments.  By breaking down a giant task into smaller pieces, we address everything when it needs to be done.
  • We establish accountability.  Sometimes, you know what needs to be done, but just can’t commit to doing it.  We help with that by acting as an accountability partner. 
  • We have partnerships all over the financial services industry. We work with a variety of professionals, such as estate attorneys and CPAs, to help our clients.  Instead of having to figure it out on your own, we can help put you in the hands of people you can trust.

Financial review.  A one-time financial review is just that:  a comprehensive analysis of your current financial situation, with a list of recommendations for you to implement on your own.  This plan covers every financial aspect of your life.  Below is a partial list of questions that we address in our financial review:

  • Taxes:  Are you paying too much in taxes?  What can you do to lower your tax bill each year?
  • Investments:  Are your investments costing you more than they should? 
  • Insurance:  Are you properly insured?  Are you paying too much for that insurance?
  • Estate planning:  What happens to you, your possessions, your loved ones, or your money when you’re no longer able to speak for yourself?
  • Employee benefits:  Are you maximizing the benefits that you’re entitled to? 
  • Retirement planning:  What does financial independence look like to you?  Are you on track to be financially independent on your terms?  What can you do to get there faster?
  • Cash flow analysis:  Is your money supporting the things that are important to you? 

How much does it cost?

For a financial review, our fee is $800. 

For financial planning relationships, we calculate our fee based upon your income, total net worth, and the complexity of your particular situation.  We do not have a minimum client net worth or income, but we do have a minimum annual fee.  Our minimum annual fee is $3,000. We can arrange the fee however it works for you; quarterly or monthly.

Do you profit from recommending insurance or investments? 

No.  We are a fee-only financial planning firm.  That means when you agree to work with us the only way we are compensated is through our fees. 

Furthermore, we fully disclose the exact dollar amount up front.  We don’t hide our fees through AUM (assets under management) pricing.  We feel that hiding fees in a series of account statements just doesn’t feel right -- especially when you’re probably hiring a financial advisor so you can avoid looking at those statements in the first place.

We review our fee each year to ensure that you’re receiving value from our relationship.  Our goal is for clients to be so happy about the value we provide that they’re willing to pay our fees.


What sets Westchase Financial Planning apart?

We are a fiduciary.  This means that we are legally obligated to put your interests above our own.  Many other ‘advisors’ might say something similar such as, “We sit at the same side of the table as you” or “We have your interests at heart.” None of that matters if they are not a fiduciary.

We are fee-only.  As previously discussed, the only way we earn money from our clients is through the fees they pay us.  No hidden charges, no commissions, no kickbacks, ever.

We are willing to put it in writing.  Our disclosure documents (also known as a Form ADV) fully state our fiduciary and fee-only nature. 

Can you just do everything for me?

Sometimes we can’t do everything for you.  For example, we don’t do estate planning documents.  We can (and do) do a lot for our clients.  However, we also expect our clients to hold their end, especially when it comes to setting appointments and implementing recommendations. Hiring someone to trust with your finances is a serious undertaking and we are committed as long as you are.

Where is your office? 

We have a secret.  We meet our clients where they are most comfortable.  This means their house, their place of work or their place of convenience. 

I’m ready. Let’s get started.

We are so glad you made it this far, and we can’t wait to sit down with you and figure out how to help you live your best life. Send us an e-mail, or, if you’re really ready, take the first step and schedule your appointment now.

Schedule an Initial Call