What is the Financial Planning Partnership?

Ongoing financial planning, advice, and investment management for a flat monthly fee.

No “product” sales. Just advice.

✔ Work one-on-one with a CFP® Professional

✔ Guidance on your entire financial life (including investments)

✔ No requirement to move your investments

✔ Do not sell insurance

✔ No long-term contract

✔ Quarterly meetings and access to ask questions anytime

That’s the Financial Planning Partnership from Ataroke.

We help you:

  1. Organize your financial life

  2. Understand where your money is going

  3. Save the right amount of money into the right kinds of accounts and invest in the right things to be able to do what is important to you

  4. Make sure your money will go where you want it to when you want it to after you die

  5. Be able to live the lifestyle you want if you become disabled or unemployed

  6. Give efficiently to the people and organizations you care about

  7. Maximize your employee benefits package

  8. Minimize the taxes you pay

  9. Have the right amount of insurance coverage

  10. Not pay more than you need to for debt / taxes / insurance

  11. Plan for the best way to pay for your kid’s education

  12. Make the most of your money

Real financial planning

A financial plan is not a “product” or “event”. It is an ongoing process.

It’s an ongoing process of clarifying your purpose and aligning your capital (money, resources, time, attention, and energy) in a way that gives you the best chance of successfully pursuing that purpose.

Topics covered

  • Are you putting the right amount of money to work in the right places?

    We'll help you get your investments in line whether we manage it or you do.

  • You never want it until you need it.

    We don't sell it, but we'll make sure you get the right kind, the right amount of coverage, and not pay too much.

  • Is your money going where you want it to?

    We'll help you get a better handle on your cash flow, whether it's paying off debt, structuring new debt, or just trying to be more efficient.

  • Congrats! If you're paying taxes you're likely making money.

    We'll help you make sure you don't pay more than you need to.

  • Will your money go where you want it to go, when you want it to go there?

    We'll review your existing estate plan and get you in touch with the right professionals if any changes need to be made.

  • If only YouTube gave diplomas.

    We'll help you calculate and plan for the best way to pay for education costs.

  • Being unemployed for 30 years will be easy, right?

    We'll help you determine how much you'll need in retirement, where your income will come from, and what you need to look out for.

  • Someday you'll actually benefit from all those taxes you've paid over the years.

    We'll help you understand and sign up for these programs to get the most out of them.

  • Do you get confused looking at all the options your employer offers?

    We'll help you understand your options and make sure you're getting the most out of your benefits package.

  • All that "other stuff" that comes up in life. Selling a house? Starting a business? Having a child?

    We'll help you understand how these life events will affect your long-term goals and make the best decision.

  • You can’t take it with you when you go.

    We’ll help you make sure you’re giving to the people and organizations you care about and maximizing the financial impact of these gifts.

Timeline and Process

Get your financial life organized

3 initial meetings | 4 weeks

Schedule
Week 0: Complete onboarding packet

Week 1: “Get Organized” meeting

Week 2: “Big Picture” meeting

Week 3: Plan analysis + development

Week 4: “Plan Presentation” meeting

Onboarding

Get your financial life on track

Monthly meetings | 4-10 months

Topics addressed in order of urgency
Cash Flow
Savings
Liquidity
Insurance
Investments
Estate Planning
Taxes

Implementation

Ongoing Planning + Monitoring

Keep your financial life on track

Quarterly meetings | Year-round

Typical topics

Q1

Q2

Q3

Q4

Cash Flow
Investments
Tax Organizer

Tax return review
Retirement
Education

Estate Plan
Insurance
Investments

Year-end Tax Planning
Employee Benefits
Debt

Ongoing Service Calendar

4 Scheduled meetings during the year | Access to schedule meetings at any time

Sample Meeting Calendar

Q1 | February

Update plan initiatives for new year

Review savings contributions

Investment allocation review

Q2 | May

Post-tax return review

Review insurance coverages

Investment allocation review

Q3 | August

Mid-year plan update

Review estate planning documents

Investment allocation review

Q4 | November

Year-end tax moves

Employee benefit plan elections

Investment allocation review

Pricing

Standard: $750/month

Fees may be higher for clients with investible assets above $3 million or for more complex situations

Accelerate: $500/month

We offer a discount for those with a net worth under $2M because we know the value of our advice and want to encourage people to accelerate their financial lives.

FAQ

  • Flat-fee means you pay a fixed price for our full suite of services, regardless of where you put your money. It’s not a percentage of the amount of assets you have. We also don’t charge extra for investment management. We believe the value is in the advice, not where your money is held.

  • Conflicts of interest are a huge problem in our profession.

    We wanted to make it so that NOTHING we advise could affect how much we get paid. If we recommend an insurance policy, you don’t have to wonder why. If we recommend you move your investments, you don’t have to wonder why. Because it doesn’t affect our compensation.

    To us, you’re paying for advice and the price of that advice should not depend on where you put your money.

  • You’re paying us for advice. We don’t believe the price of that advice should depend on where your money is held.

    We’ll provide investment advice whether you leave your money where it is or have us manage it directly.

    For more information on our investment offerings, click here.

  • While we do not sell insurance, we still evaluate your insurance needs.

    We can work with your existing insurance agents, other insurance agents, or go through our relationship with RIA Insurance Solutions to help you find the right policy for you. RIA Insurance Solutions is an Outsourced Insurance Desk (OID) which allows firms like Ataroke to help their clients purchase insurance without receiving a commission. This allows us to stay completely objective throughout your insurance evaluation.

  • You can pay two ways.

    1. By credit or debit card.

    2. If you have an investment account with Ataroke, planning fees can be deducted from that account.

  • Initial commitment period of 12 months followed by month-to-month.

    If you aren’t ready to commit, we recommend starting with our Get on Track Quick Plan.

If this sounds like what you are looking for, then let’s schedule a call.

This 15 minute phone call will give us both a chance to make sure your situation matches our expertise.

Schedule 15-min Introductory Call