At Abacus Financial Planning, we serve as your thinking partner, and we walk through financial decisions with you.

We help clients with these questions in retirement

  • How much can I spend from my investments?

  • How much should I spend on a home renovation?

  • What should I sell and from which account?

  • How will Social Security be taxed?

  • How can I support my community and grandchildren?

We help clients with these questions in the working years

  • How much should I save in retirement accounts?

  • How do we balance family costs and our dream vacation/buying a larger home?

  • I stress out when I log into my investment accounts. Can we make it simpler?

  • Can we avoid another surprise tax bill?

  • How much should I withdraw each year from an inherited IRA?

We help our clients

  • Organize it all – know what they have, where it is, and what it’s for

  • Figure out how much to save and where to save it

  • Simplify investing and spending decisions

Interested? Here is the process


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.


How it works

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.

Financial planning fees

  • $400/hr

  • Comprehensive financial plan*: $6,400 – $19,200

  • A fee cap or range is agreed upon before starting an engagement.

* This is a typical fee range for a one-time plan. The planning fee is tied to the hourly rate.

Investment management fees

  • 1% on the first $2,000,000
    Then 0.40% on the balance over $2,000,000

  • Includes ongoing financial planning

Planning areas


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.

Insurance planning

We review your current insurance policies, including auto, homeowner, umbrella, life, and long-term care insurance, and make recommendations.

Tax planning

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.

Cash flow

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.

Estate planning

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.

Education planning

For clients who would like to pay for education expenses, we recommend a saving and gifting strategy.

Employer benefits

We analyze health benefits, retirement plans, and additional employer-specific options to make sure you use them effectively.

Ready To CHAT?

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.