A Comprehensive Planning Relationship

At Modern Financial Wellness, you don’t just pick and choose services off a menu. You get everything. We offer Intentional Wealth Planning: a complete planning relationship designed to support your entire financial life—today and as it evolves.

What is Intentional Wealth Planning?

Intentional Wealth Planning is a structured, human-centered approach to financial planning that helps you make decisions aligned with what matters most—not just what looks optimal on paper.

It’s designed to:

  • Reduce overwhelm by creating clarity and structure

  • Help you prioritize when everything feels important

  • Support real-life decision-making, not hypothetical scenarios

  • Evolve as your life, goals, and responsibilities change

This is not a one-time engagement. It’s an ongoing partnership.

Talk to Us About Getting Started
HOW WE WORK

Our Planning Process

1

Discovery & Understanding

We begin by understanding your full financial world—not just your accounts. This phase includes:

  • Clarifying values, priorities, and long-term goals
  • Reviewing cash flow and savings structures
  • Understanding existing investments and benefits
  • Identifying family dynamics and life transitions
  • Evaluating tax considerations and complexity

The goal is shared understanding. Before we recommend anything, we make sure the full picture is clear.

2

Baseline Planning

Next, we establish a clear baseline: where you are today and where you’re headed if nothing changes. This includes:

  • Net worth and cash flow clarity

  • Savings patterns and tradeoffs

  • Retirement and financial independence projections

  • Education and long-term funding considerations

  • Insurance and estate planning review

  • Equity compensation and employer benefits analysis (when applicable)

This phase gives you clarity and a shared language for making future decisions.

3

Intentional Strategy & Design

Once the foundation is clear, we design a plan aligned with your goals, values, and real-world constraints. This may include:

  • Retirement and financial independence strategies

  • Tax-aware savings and investment decisions

  • Equity compensation planning (RSUs, stock options, ESPPs)

  • Education funding strategies

  • Housing and major purchase decisions

  • Risk management and protection planning

Rather than generic advice, we focus on the decisions that matter most in your life and the tradeoffs that come with them.

4

Personal CFO Support (Ongoing)

After the plan is built, you’ll transition into an ongoing relationship where the value compounds over time. As your Personal CFO, we provide:

  • Ongoing decision support throughout the year

  • Proactive planning meetings and check-ins

  • Investment oversight and rebalancing (when appropriate)

  • Tax planning coordination and strategy reviews

  • Employer benefits and open enrollment guidance

  • Accountability and follow-through support

  • Coordination with CPAs, attorneys, and other professionals

This is not a once-a-year review. It’s a structured, proactive partnership.

What's Included

We help you design a clear, sustainable cash flow system that supports both your short-term needs and long-term goals. This includes prioritizing savings, managing tradeoffs, and creating structures that reduce stress and decision fatigue while keeping your financial life moving forward.

Retirement planning isn’t just about a distant age or number—it’s about understanding when work becomes optional and what that transition looks like for you. We model different scenarios, timelines, and strategies so you can make confident decisions about your future with clarity and flexibility.

Investments are one part of your overall plan, not the plan itself. We provide thoughtful investment guidance aligned with your goals, risk tolerance, and time horizon, along with ongoing oversight to ensure your strategy remains aligned as markets and life change.

We incorporate tax considerations into every planning decision, helping you understand how savings, investments, and major choices affect your tax picture over time. When needed, we coordinate with your tax professional to ensure strategies are aligned and opportunities aren’t missed.

For clients with equity compensation such as RSUs, stock options, or ESPPs, we help you understand how these benefits fit into your broader financial plan. This includes timing decisions, tax implications, and how equity aligns with your long-term goals and risk tolerance.

We help families plan for education expenses in a way that balances college funding with other priorities like retirement, cash flow, and lifestyle goals. The focus is on creating a thoughtful strategy that fits your values and financial reality.

Insurance plays an important role in protecting your plan and your family. We review existing coverage and help identify gaps or redundancies, ensuring protection strategies align with your overall financial goals rather than being driven by fear or sales pressure.

While we don’t draft legal documents, we help you think through estate planning decisions and coordinate with your attorney to ensure your documents align with your wishes and your broader financial plan. This helps keep your plan cohesive and up to date as life evolves.

Money decisions are rarely just about math. We provide guidance that considers behavior, emotions, and real-world constraints, helping you work through overwhelm, procrastination, or uncertainty so plans are actually implemented—not just discussed.

For couples, we help create a shared understanding around money, priorities, and decision-making. This includes facilitating conversations, clarifying roles, and building systems that reduce tension and create alignment over time.

Major life changes—whether planned or unexpected—often come with complex financial decisions. We provide support during transitions such as career changes, relocation, entrepreneurship, or family changes, helping you navigate uncertainty with clarity and confidence.

As your Personal CFO, we provide year-round guidance and proactive planning rather than reactive advice. This includes regular check-ins, decision support as situations arise, coordination with other professionals, and accountability to keep your plan moving forward.

Ready to Get Started?

Whether you’re looking to build clarity around your finances, reduce stress about money, or strengthen communication within your family, Modern Financial Wellness offers a process designed to help you feel confident and supported.

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