Services

Services

What Does Comprehensive Financial Planning Mean?

What Does Comprehensive Financial Planning Mean?

It’s more than just investments, we review and make recommendations on all
components of your financial picture including…

It’s more than just investments, we review and make recommendations on all components of your financial picture including…

What’s Your Financial Planning Need?

What’s Your Financial Planning Need?

I’m at the beginning of my money journey.

I’m navigating increasing complexity.

I’m hoping to enjoy the fruits of my labor.

I’m at the beginning of my money journey.

Building the initial pieces of a strong financial foundation often doesn’t require a full, comprehensive financial plan. For those at this stage in their journey, Gabbi offers financial coaching classes through her company, That Make Cents Financial Coaching1, that may be better suited for your needs and budget at this stage.

I’m navigating increasing complexity.

The Ongoing Financial Planning Relationship Without Investment Management is designed for clients who find themselves navigating an overwhelming level of complexity in their financial situation as their lives and careers grow.

You either want to keep managing your own investments (with our guidance), or your investments are largely tied up in workplace retirement plans that can’t actually be managed by a financial advisor.

Over the course of the first year, we’ll tackle each important piece of your financial picture, including income and expenses, debt, savings, investments, insurance, employee benefits, kids and college, taxes, retirement, and estate planning. We’ll help you create concrete action steps and hold you accountable to your goals along the way.

This service is available as an annual subscription (broken into quarterly payments) for clients who are ready to put an increasingly complex financial picture together in an intentional way.

Visit the rates page to see details.

I’m hoping to enjoy the fruits of my labor.

Ongoing Financial Planning With Investment Management is for clients looking to hire a financial advisor to give them comprehensive advice on all of the topics mentioned in the previous section, but who are also looking for an advisor to take over the direct management of their investment accounts.

The key difference between the two services is not the financial planning, which is included in both, but rather:

  • We directly take over the management of your eligible investment accounts, and

  • You pay us differently – directly from your accounts as a percentage of the assets we manage.

Though available to those at any life-stage, this service is often best suited for late career professionals and retirees, who are looking to put together a strategic plan to maximize the benefit (and minimize the tax burden) of their retirement savings, and who are looking for a high level of direct support and strategic planning throughout their retirement years.

Visit the rates page to see details.

I’m at the beginning of my money journey.

Building the initial pieces of a strong financial foundation often doesn’t require a full, comprehensive financial plan. For those at this stage in their journey, Gabbi offers financial coaching classes through her company, That Make Cents Financial Coaching1, that may be better suited for your needs and budget at this stage.

I’m navigating increasing complexity.

The Ongoing Financial Planning Relationship Without Investment Management is designed for clients who find themselves navigating an overwhelming level of complexity in their financial situation as their lives and careers grow.

You either want to keep managing your own investments (with our guidance), or your investments are largely tied up in workplace retirement plans that can’t actually be managed by a financial advisor.

Over the course of the first year, we’ll tackle each important piece of your financial picture, including income and expenses, debt, savings, investments, insurance, employee benefits, kids and college, taxes, retirement, and estate planning. We’ll help you create concrete action steps and hold you accountable to your goals along the way.

This service is available as an annual subscription (broken into quarterly payments) for clients who are ready to put an increasingly complex financial picture together in an intentional way.

Visit the rates page to see details.

I’m hoping to enjoy the fruits of my labor.

Ongoing Financial Planning With Investment Management is for clients looking to hire a financial advisor to give them comprehensive advice on all of the topics mentioned in the previous section, but who are also looking for an advisor to take over the direct management of their investment accounts.

The key difference between the two services is not the financial planning, which is included in both, but rather:

  • We directly take over the management of your eligible investment accounts, and

  • You pay us differently – directly from your accounts as a percentage of the assets we manage.

Though available to those at any life-stage, this service is often best suited for late career professionals and retirees, who are looking to put together a strategic plan to maximize the benefit (and minimize the tax burden) of their retirement savings, and who are looking for a high level of direct support and strategic planning throughout their retirement years.

Visit the rates page to see details.

Not sure which of our services is right for you?

Not sure which of our services is right for you?

Contact us with a bit more information about your situation, and we’ll help get you pointed in the right direction.

Contact us

Looking for group consultations or a speaker for your event?

Looking for group consultations or a speaker for your event?

We are available for speaking engagements and group consultations at an hourly rate. Group consultations make a great, affordable solution for groups with a similar financial inquiry (for example, if you and your colleagues want to better understand your employee benefit options, or you are part of a group of parents who wants help learning how to best evaluate college financial aid offers). We also offer in-organization employee-financial planning for certain organizations.

Get in touch with us today!

What to Expect When Preparing for Financial Planning

What to Expect When Preparing for Financial Planning

Day 1

After we agree to work together, we’ll collect a lot of information from you upfront, and complete the paperwork to formalize our arrangement.

Month 1

We’ll complete the onboarding meeting – typically about a 1.5-2 hour process, where we’ll dig into our questions about your life, goals, and values, as well as clarifying any questions we have about your financial situation.

Months 2-12

We meet quarterly to go over recommendations related to a specific part of your financial plan (with additional periodic check-ins to increase accountability.)

By the end of the first year, we’ll have covered all the most important pieces of your basic financial plan.

Months 13+

We continue to adjust your goals and strategies as life progresses and things change. Together we’ll focus on keeping you on an intentional and resilient path to financial empowerment.

Once your basic financial plan is in order, we start to seriously explore the question, “what’s possible now?”

1That Make Cents Financial Coaching is not owned by, nor is it an affiliate of, Sustain Financial Inc. As a separate entity, any work done with That Makes Cents Financial Coaching is not overseen nor regulated by the Chief Compliance Officer of Sustain Financial, nor is it subject to regulation by the WA State Department of Financial Institutions or CA Department of Financial Protection and Innovation.

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We’re members of the following organizations – all of which are working hard to make Fiduciary Financial Planning the standard for our industry

Disclosures & Policies

Sustain Financial Inc. is a Registered Investment Advisor in the State of Washington and California.

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