Services
Comprehensive Financial Planning
A living plan that grows and adapts as your life changes.
We believe Comprehensive Financial Planning is the best way to build and maintain wealth. We also believe it should actually be comprehensive and ongoing, not a one-time recommendation that collects dust.
Your financial advisor should be someone you can call on at any time and not worry about whether they will take your call or how much it will cost you. With our subscription model, we provide clients with advice whenever they need it. The Financial Plan is a living document to help guide you toward your financial, retirement, and life goals.
The Melby Wealth G.R.O.W. Process for Financial Planning takes place over a number of steps and meetings. We work with you and your schedule to be as accommodating as possible. Because financial planning is a subscription, we monitor your plan and progress and can update the plan as life happens.
See the G.R.O.W. Process →What We Cover
Our process can cover, but is not limited to, the following topics.
Tax and Estate Planning
- Tax strategies and coordination with your CPA
- Estate planning review and recommendations
- Charitable planning and gifting strategies
Insurance and Protection
- Life insurance needs evaluation
- Insurance coverage review
- Employee benefits package analysis
Investing and Retirement
- Retirement income planning
- 401(k) allocation recommendations
- Stock option (ISO) and RSU analysis
- Short and long-term goal development
Life Transitions
- Home purchase and selling decisions
- Combining finances for couples
- Student loan and education funding
- Debt management and repayment planning
- Cash flow analysis and spending plans
- Business coaching and development
- Negotiating major purchases
Fee
One-Time Engagement
$4,000
Due at signing of the agreement
Ongoing Engagement
$4,000 + $333.33/mo
Initial fee paid over 3 months, then $333.33/month ongoing
As a fee-only fiduciary wealth management firm, we will never make a commission from something we recommend and we have a duty to always put our client's interests ahead of our own.