Set up an introductory call. It is free and is a chance for us to get to know each other and see if we can help you. We follow up with a proposal.
Feel free to bring your list of questions (and it’s ok if you don’t have a list!). While we likely will not give specific answers in an introductory meeting, we will tell you if/how we can help with your questions.
After you sign an agreement, share your information with Abacus Financial Planning. Privacy and security are important – we use secure file-sharing tools.
Abacus Financial Planning crunches the numbers behind the scenes with leading industry tools and our proprietary process.
We meet to answer your questions, share our recommendations, and help you make changes.
Our fees are transparent, and there are no hidden fees to surprise you. We accept payments only from clients and do not receive commissions for recommending insurance or investment products.
After we meet and get to know you and your needs, we will present one or more options for working together.
Depending on the scope and complexity of your needs, we can work together in one of these ways: hourly, a comprehensive financial plan, or a limited scope financial plan.
After completing a financial plan, investment management may be an option.
* This is a typical fee range for a one-time plan. The planning fee is tied to the hourly rate.
We conduct a thorough review of your current investments, analyzing the fit to your goals and risk tolerance. We provide detailed recommendations about your investments.
We determine a base case for retirement and then look at variations—what if you spend more each year or what if you need long-term care—to build a withdrawal and spending plan.
We review your current insurance policies, including auto, homeowner, umbrella, life, and long-term care insurance, and make recommendations.
We look at your current tax situation and consider options. For retirees with assets in multiple tax buckets, this often involves developing a withdrawal strategy.
We typically create a multi-year plan for your cash. This is especially relevant when there is an expected change in income or expenses or when there is a large windfall.
We help you review expenses and create a plan that aligns spending with values. We typically recommend a reverse budget, where you decide which expenses to track and which not to track.
We use a financial perspective to review your assets and estate plan to make sure they meet your goals, are consistent with your wishes, and consider potential estate tax.
For clients who would like to pay for education expenses, we recommend a saving and gifting strategy.
We analyze health benefits, retirement plans, and additional employer-specific options to make sure you use them effectively.
The first step is an introductory meeting. The first meeting helps us understand what you are looking for. We can share information about Abacus Financial Planning and provide open space for you to ask questions.