The Cents of Joy Blueprint
Whether you’re building a career, a business, or a family, figuring out the money stuff can be hard. The Blueprint is a collaborative process to design the financial foundation to support it all. Together, we'll map out every detail to create an actionable plan that gives you clarity and confidence in the path forward.
Not sure if this is right for you? Feel free to schedule a free 20 min introduction call first.
The Cents of Joy Blueprint
what you get
A fully integrated and detailed financial planning experience that covers all areas of your financial life and is completely tailored to your unique goals. My aim is that you feel heard, seen, and walk away with clarity, actionable steps, and more financial joy in your life.
how it works
We start with a discovery meeting to further delve into your money feelings, goals, and what financial well-being means to you. Then after getting you fully onboarding into our financial portal, we’ll collaborate through a series of meetings over 3-4 months to create your full financial blueprint.
what it costs
The fee ranges on complexity and is based on estimated hours. Generally it falls between $4,200 - $9,000. Ongoing support is also available after initial engagement and generally costs less than the initial plan.
Areas We Explore
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How do your feelings and behaviors around money impact your financial well-being? How can we prioritize goals and set your future self up for success? Understanding these dynamics is crucial for a sustainable financial plan, informing how we prioritize what truly matters to you. You’re a human being, not a human doing!
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Whether you get a regular paycheck or not, knowing where your money goes and feeling good about it is possible! It doesn’t have to mean meticulous tracking or onerous budgeting. Let's build a spending system that works with your income flow, not against it.
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Does managing your investments feel overwhelming? Want to leave your current advisor but not sure how? Let's talk through whether self-managing or a robo-advisor aligns best with your comfort level and goals. Either way I’ll walk you through on screen-share step-by-step and help develop repeatable systems to save and invest for your future. Read more about my investment philosophy here (spoiler-alert: I focus on plain ol’ diversified passive investing using low-cost index funds).
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Many financial decisions have tax consequences and it’s key to understand the big picture and ensure you’re not overpaying the government! Whether it’s adjusting your withholding, thinking through the advanced premium health tax credit, or choosing to save into pre-tax vs. Roth accounts, let’s ensure we have a plan and are taking full advantage of any other opportunities to reduce your tax liability.
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Buying your first home is a huge step, both exciting and overwhelming. We'll go beyond affordability to understand how it will truly impact your cash flow (yes, even when the water heater breaks!)
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Life doesn't come with a literal 'undo!' button (I wish), but insurance is the closest thing we've got for your finances. When those 'oh sh*t!' moments happen (like a fender bender that was definitely not your fault) insurance can be like hitting 'undo' on the financial damage, helping you recover without your entire financial life unraveling.
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What do you want for yourself in 10-20-30 years? Maybe you are curious about the FIRE movement, or want to take a sabbatical. Zooming out and looking at the bigger picture helps guide our present-day decisions, ensuring we're strategically setting your future self up for success and building the financial freedom you desire.
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No one likes this part, but it’s important. What do you want to happen to your money when you die? Who would you like making medical or financial decisions for you if you aren’t able to? Don’t let the courts decide for you!
Ongoing Support:
While not always needed, for those wanting more proactive planning support after the initial Blueprint is complete, we offer ongoing planning based on estimated hours that includes three meetings a year. It looks something like this:
Winter: Big Picture Review
Track net worth & income
Update projections if needed
Track progress towards goals
Review cash flow, liquidity, and savings rate
Track debt pay down progress & strategy
Review insurance portfolio (even years) or review & update estate plan (odd years)
Spring: Investment Meeting
Review investment strategy
Ensure self-management process is working for you
Execute trades if needed
Review equity compensation (if applicable)
Take care of outstanding tasks & to-dos
Fall: Year End Review
Revisit purpose, values, and life planning
Assess financial and life satisfaction; identify opportunities for improvement
Year-end tax planning and to-dos
Plan year-end giving
Take care of outstanding tasks & to-dos
Ongoing As Needed:
On-demand meetings as questions arise
Unlimited email correspondence
Proactive email reminders (tax deadlines, opportunities, tax law changes, etc.)
Coordination with CPA, attorney, bookkeeper, etc.
Open Enrollment reviews
Implementation support (rollover calls, screenshare trades)
FAQs
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The terms “financial advisor, investment advisor, and financial planner" are often used interchangeably so yeah that is confusing. (I actually wrote a more detailed post about this on my substack some of which is copied below)
The term "financial advisor" itself is largely unregulated. Anyone can essentially call themselves a "financial advisor" without needing to meet specific educational, ethical, or licensing requirements tied directly to that title. However, the activity of giving investment advice is indeed regulated. Essentially, if someone wants to legally give investment advice in the US, they need to be registered with either the Securities and Exchange Commission (SEC) or a relevant state securities regulator.
Unfortunately, the term Financial Planner is also not regulated, but I call myself a Financial Planner because I have met the requirements to become a CERTIFIED FINANCIAL PLANNER® professional and that’s more important.
The CFP® mark is arguably the most widely recognized and respected designation for financial planning. It signifies expertise in comprehensive financial planning, covering many areas like cash flow, investments, retirement planning, insurance, tax planning, estate planning, and (more recently) behavioral finance - to name a few. Being a CFP® professional means that I am a fiduciary who is legally obligated to act in my client’s best interest. (I wish this was a given across the industry but it’s not).
The reason I call myself a “financial planner” is because that most accurately describes what I do. I do give investment advice, but I also ask questions, listen, reflect, encourage, console, and yes, do a whole lot of planning.
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I hate to give this answer but alas, it depends! People come to work with financial planners for many reasons and across a lot of different stages in life. Here are some common reasons:
There is some event that sparks some sort of financial question or crossroads: a new job, a marriage, buying a home, starting a business, an inheritance etc. and it can be really helpful to hire someone who can assure you that you’re making the right choices that work best for you (and future you!)
Money is stressing you out (or just makes you feel tense, avoidant, nauseous, neurotic, insert your word of choice here) then working with an advisor may help reduce some of those feelings and bring you some peace of mind.
You want a second opinion - am I making the right choices for me? Am I going to be okay? Am I saving enough?
Some couples like having a third person to help navigate hard money conversations and help get on the same page!
Regardless of the reason there are many ways to work with a financial planner but if my services and model aren’t the right fit for you, I will do my best to find you another option and point you in the right direction. My larger hope for the financial planning industry is that more and more people have positive financial planning experiences with advisors even if that’s not with me!
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I believe that financial planning is an ongoing relational process, not a product. I customize that process so that it works for you. That said, when working on an initial comprehensive plan, all information I present to you (usually a deck) is sent to you afterwards as well as any checklists, templates, or action items. I also spend time helping you execute tasks (screensharing or making calls together) because it’s so much easier to actually get sh*t done that way. #BodyDoubling
I’m working on a blog post that goes through in detail a sample initial plan so keep your eye out for that. In the meantime, I am always happy to share relevant samples of what that looks like. If you’re interested in that please feel free to schedule a call here!
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The fee for a Financial Blueprint fee ranges on complexity and is based on estimated hours. Our hourly rate is $300 and most plans fall between $4,200 - $9,000. Ongoing support is also available after initial engagement and generally costs less than the initial plan. We also offer limited pro bono sessions on a first-come first-serve basis for those not looking for an ongoing or comprehensive relationship.
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Yes and because there’s a lot of financial professionals who make a lot of money pushing products that aren’t actually a good fit for you.
A fiduciary is someone who is legally required to act in your best interests and I fully believe that’s the bare minimum.
I am also a “fee-only” advisor which means I only get paid by my clients and don’t accept commissions.
All CFP® Professionals are required to act as fiduciaries so I recommend looking for that designation plus fee-only if you are speaking with other people.
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While your life is full of creativity and adventure, your investment strategy shouldn’t be. I believe in using low-cost index funds that give you a slice of the entire market. It’s a strategy designed to let your money grow steadily over the long haul, without the stress of trying to outsmart anyone.
If you're looking for complicated strategies or want to actively trade stocks, we likely won't be a great fit. My job is to make this part of your life less complex so you have more energy to focus on the things you actually love.
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Great question! Not only will I help create an allocation that’s appropriate for you but I will also help figure out an overall investment strategy that works for you. For the most part, it completely depends on how hands on or off you want to be. Have a robo-advisor you are happy with? Great, I’ll still take a look and make sure it’s in alignment with the big picture. Starting from scratch and want to DIY? Great! I’ll provide you with a target allocation and portfolio and help set up an ongoing strategy for you to self-manage your investments.
For those wanting more support, I am always happy to screenshare and walk through the steps. For those who work with me on an ongoing basis this is built in to our work together.
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You can totally do that and in fact, that’s my preferred way to work. If you’d like (or need ongoing) support we’ll talk about what that looks like after the initial plan is complete. Generally ongoing support costs less than the initial plan.
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You may have noticed in my disclaimer that my investment advisory services are offered through Advice Only, Public Benefit Corporation, DBA Cents of Joy Financial Planning. AdviceOnly is a Corporate Registered Investment Advisor (RIA). A corporate RIA is a firm that provides a regulatory and operational framework for independent financial advisors like me! I pay them a flat fee for this service and can operate my own practice under the legal umbrella of AdviceOnly. This arrangement allows me to focus on serving clients without the significant administrative and compliance burdens of establishing and maintaining my own separate RIA firm.
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