The Planning Club™


Think gym membership for your wallet, but on a bigger scale at the intersection of life coaching and financial wellness. 

The Planning Club™ is revolutionary. Benefits include:

  1. Quickly put in place a basic and actionable financial plan (not some 80 page binder that sits on a shelf gathering dust).
  2. Get access to a dedicated senior financial planner throughout the year who can answer any questions of yours that arise.
  3. Save thousands of dollars (some firms charge $5,000-$50,000 a year for full-service financial planning).

Watch this short video to get a flavor for what you'll get as a Member of The Planning Club™!

The Planning Club™ works especially well for three groups of people:

  1. Millennials wanting more sophistication than an online DIY website, but want to access the expertise in bite-sized chunks without having to commit to a massive annual financial planning invoice.
  2. Individuals or families in their 40s or 50s who are in the asset accumulation mode that periodically have both periods of complex planning need but also have periods of low planning need.  Those who would feel more comfortable paying on an as-needed basis.
  3. High net worth clients that want to engage in a deeper planning relationship without any pressure to commit to Investment Advisory Services.

The Planning Club™ Fee Structure:

      Note: Additional fee specifics and details are provided in our ADV Part 2A and actual Financial Planning agreement

  1. $500 upfront, one-time plan setup fee
  2. Monthly membership fees:
    1. Basic Plan: $25/month
    2. Gold Plan: $75/month
    3. Platinum Plan: $150/month
  3. When more financial planning time is needed by a Member of The Planning Club™, they can purchase additional time in one hour increments at $250 per hour, which is a 50% discount off our standard rate of $500 per hour; paid in advance and used in minimum 15 minute increments (to ease our recording requirements and keep our rate so affordable)

Benefits For The Planning Club™ Members:

  1. A personalized financial plan that addresses: how much do I need for my retirement? How much do I need to be saving and investing each month to reach my goal? We reserve two hours for this upfront within 30 days of starting your membership.
  2. A risk-assessment to help you gauge what level of investment risk is appropriate for you, which then impacts how you invest
  3. Asset allocation advice for your 401(k) plan or 403(b) plan etc so that it is consistent with your financial plan (we do this in the initial planning meeting and review that with you once a year on your plan update call)
  4. Access to an experienced financial planner (one of us, whose backgrounds you can look at so you know who you are getting) by phone or email to ask questions on any financial planning or investment need that arises during the year — Basic Plan members get 30 bonus minutes a year of private consultation via phone to ask anything you’d like and can purchase more time as needed (Gold Plan members get 2.5 bonus hours per year; Platinum members get 5 bonus hours per year)
  5. The basis of the planning fees is to provide an annual 30 minute plan-review for Basic Plan members to ensure it is kept up to date (this is a critical aspect of financial planning that often gets overlooked — key to keep your plan current). Gold Plan members get 1 hour; Platinum Plan members get up to two hours
  6. A periodic membership-wide webinar where you can ask questions and listen to the questions and answers of other members
  7. 100% Money Back Guarantee the first 60 days

The Fine Print:

  1. Your financial plan will focus on the basics. That is how we are able to offer you access to such experienced advisors at such an attractive membership price. The good news is that since you’ll have a direct relationship with us and we with your plan, you’ll be able to efficiently get additional support and advice on any additional financial planning topics as they arise.
  2. Additional topics that fall outside of the basic financial plan include advanced tax planning strategies, philanthropy, structuring gifts to children, asset protection, divorce, prenuptial planning, wills, selling your business, estate planning, power of attorneys (financial and health care), and health care directives. Other topics that clients often pay to get our help working through include: when to rollover your 401(k) plan to an IRA, whether to contribute to a traditional or Roth IRA, options for 401(k) plans for folks that are self-employed, whether to withdraw from your traditional IRA or your Roth and when to start drawing on social security and whether to draw on yours or on your spouse’s. Last but not least, other great planning conversations we can have include: key questions to ask your parents to understand what kind of planning they have (or have not) done and key questions to ask your financial advisor to understand whether you’re taking too much (or too little) risk in your investment portfolio.  
  3. Reminder: we want to make sure you “get” that there is a tangible difference between giving you advice on how to allocate assets in your 401(k) plan in a way that is consistent with your plan and “actively managing your account.” Active investment management goes beyond a point-in-time assessment, and includes tasks like asset location, tax loss harvesting, rebalancing and market driven re-assessment, manager due diligence, plan re-alignment and risk management.
  4. While we normally do not accept investment management clients whose total account values sum to less than USD $1MM, for Members of The Planning Club™, as an additional benefit of membership, we waive the minimum requirements. The fee we charge for managing investment accounts is 1% per year on the first $5mm, 0.85% for assets in excess of $5mm up to $10mm, and negotiable above that.
  5. Note: since we are not lawyers, we do not draft the legal documents that are used in the financial planning process. We do, however, routinely help clients by setting the agenda for meetings with attorneys and participating in the meetings to ensure that the resulting legal documents support your financial plan in an integrated way. We usually work with clients’ existing attorneys, and if clients need help establishing a relationship with an estate planning attorney or tax attorney, we can help make introductions to attorneys that we work with. The introductions we make are arms-length and we do not receive any financial benefit from these introductions.
  6. Likewise, we are not accountants and do not provide tax preparation services nor accounting services nor book keeping services. However, most of our clients need these services and again, we coordinate with their existing service providers and are happy to make introductions to the extent our clients are looking to add to their team or make a change. The introductions we make are arms-length and we do not receive any financial benefit from these introductions.