3 Ways We Can Work Together

PEARL PLANNERS

Ongoing financial planning and investment management.

For clients with investible assets >$1,000,000 or household income >$300,000.

PEARL INVESTORS

Investment strategy and management based on your individual goals,.

For early- or mid-career professionals who want help with their investments.

PEARL PROJECTS

A one-time financial plan to address a limited number of questions.

For clients experiencing a specific transition or who are not ready for an ongoing advisor relationship.

Pearl Planners

Together, we work to co-create strategies to navigate your financial life, from combining or separating marital assets, to planning your retirement income and what you’ll leave your heirs, or an intentional charitable giving strategy. Build a strong financial foundation that can weather the twists and turns of life, giving you peace of mind and leaving you the time and energy to spend on what you love and value most. We partner with you to implement the action items in your plan, whether that means updating the withholding rate on your paycheck or help with rolling over an old 401(k). After our initial planning process meetings, we meet twice a year to review your progress and make any necessary adjustments. Our highly responsive team is available to you throughout the year whenever you are in need of financial guidance. Good fit for: professional women who:

  • Are divorcing or have divorced

  • Have >$1,000,000 in investible assets and/or $300,000 household income

  • Are diligent savers who value expert help with navigating the complexities and competing priorities of their critical wealth-building years

  • Are curious and interested in growing and learning

  • Are ready to simplify wealth management and build a beautiful life

Pearl Investors

Having a solid investment strategy with a trusted advisor can help you reach your financial goals faster and avoid blind spots along the way. Together we discuss your investment objectives, review your existing investments, and assess your risk tolerance. We open accounts for you with our custodian(s), transfer your assets to our management and implement the investment strategy that best fits your needs. Regular rebalancing keeps your accounts on track. In annual check-ins we review your goals, and if they have changed, we make sure your investment strategy still fits your needs. Good fit for:

  • Early to mid-career clients who want to know they are on track to meet their long-term goals

  • Diligent savers who are eager to grow their assets and be good stewards of their resources

Pearl Projects

Big transitions in life can call for a reset of our financial picture. Or you may want help in defining your goals and the steps needed to get there. We partner with clients who want a one-time financial plan but aren’t quite ready for an ongoing relationship.

Uncertain about your financial future now that you’re divorced?

Unsure how to approach a divorce settlement because you don’t know what your future budget will look like?

Know your financial decisions are important but want help putting together the pieces?

Meeting Structure for Pearl Planners

First 6 Months

  • Discovery Meeting

    We do a deep dive into your current situation, explore goals and concerns, and learn about your unique needs and objectives. We learn about your historical relationship with money and how that's shaped your views and actions today.

  • Investment Management

    Early in our initial meetings, we will discuss your overarching financial goals, your timeframe for reaching those goals, and your overall experience with investing and risk tolerance. Based on that, we craft an investment strategy to get you where you want to go, when you want to be there, with the least amount of tax pain possible.

  • Cash Flow & Values

    What’s coming in and what’s going out? We review cash flow to get insight into how much your lifestyle costs and make adjustments to savings, if needed. We discuss what's truly important to you in order to have a clear vision of where you're headed.

  • Scenario Planning

    We present a high-level, 1-page financial plan and also introduce you to your financial planning portal. Our planning software is a collaborative tool that we use together to evaluate the feasibility of and progress toward your goals.

What Does Ongoing Financial Planning Look Like?

We meet with Pearl Planners twice a year after onboarding and collaborate throughout the year on important financial topics. Major life changes may warrant additional meetings to ensure your plan is on track. Items discussed in meetings or via email over the course of the year include:

  • Update goals, action items, and projections

  • Cash flow & savings review

  • Review prior year taxes & W-4 withholding

  • Estate plan review/check-in (beneficiaries, will, and other documents)

  • Charitable giving strategy

  • Check-in on goal progress

  • Student loans/education funding

  • Employee benefits/open enrollment

  • Insurance review (life, disability, etc.)

  • Rebalance investment accounts outside our management

  • End-of-year tax planning review

Fees

We are a fee-only fiduciary firm, which means that we earn no commissions, and we are obligated to serve our clients’ best interests at all times, We are held accountable to that standard by regulatory agencies. Our fees are stated clearly in your client agreement and can fall into the ranges outlined in our form ADV, linked below. 

The fee is based on the complexity of your situation, and can include investment management and/or financial planning advice. After initial onboarding, fees are evaluated annually and revised if necessary.