Why We Exist
Modern Financial Wellness is not just a financial planning firm.
It’s an architecture for an intentional life.
Financial Planning Built for Real Life
Modern Financial Wellness was created in response to a simple observation: modern financial life has outgrown traditional financial planning and wealth management models.
While the industry focused primarily on investment management—a function technology has made more efficient and commoditized—people’s real needs continued to expand.
Households are navigating complexity, transitions, and tradeoffs that don’t fit neatly into static plans, investment products, or annual reviews. They need a partner who can help them think, adapt, and make decisions in real time—not just a plan that sits on a shelf.
Years of Experience
Hi, I'm Jim Grace, CFP®.
I didn’t start Modern Financial Wellness to manage money. I started it to help people feel better about their financial lives.
My own journey into this profession wasn’t a straight line. I spent years in sales before realizing I wanted more than a career selling products. I wanted to make a real impact. Becoming a financial planner gave me that chance, but it also showed me how outdated and impersonal the industry can be.
That’s why I built this firm differently. Here, financial planning is transparent, flat-fee, and centered around you—your goals, your values, and your well-being. I’ve seen firsthand how the right approach doesn’t just improve bank accounts. It improves marriages, reduces stress, and helps people feel more confident about their future.
My hope is simple: that when you work with us, you leave every conversation feeling supported, understood, and reassured that you’re going to be okay.
Our Mission
To deliver financial planning that improves not only net worth but also overall well-being—by combining expertise, empathy, and education in a transparent, client-first model.
Our Values
- Empathy: We listen, understand, and meet clients where they are.
- Transparency: Flat fees, clear processes, and open communication.
- Partnership: Working alongside clients as guides and advocates.
- Well-Being: Focusing on the human side of money, not just the numbers.
Our Team
At Modern Financial Wellness, you don’t just get a financial planner—you get a team built around your life. We combine financial planning, behavioral expertise, coaching, and tax strategy to support every part of your financial world. Some of our team members are in-house, others are trusted strategic partners, but all of us work together to help you make confident, intentional decisions.
Your Planning Team
The people you’ll work with day-to-day.
Specialist Partners
Additional expertise, coordinated as part of your planning.
Why We Use a Partnership Model
No single professional can cover the emotional, behavioral, technical, and tax dimensions of modern financial life. Our model brings together the right expertise at the right moment—without clients needing to assemble their own team. We coordinate all the moving parts so you receive integrated, human-focused financial guidance.