| Target Audience | Young professionals, couples merging finances, and those starting their financial journey | Rising professionals, employees with equity compensation, and those building wealth | High earners, business owners, and complex financial situations |
| First Year Price | $3,500 / year | $4,800 / year | $7,800 / year |
| Renewal Price | $1,800 / year | $2,500 / year | $4,500 / year |
| AUM Included in Flat Fee | $150,000 | $200,000 | $400,000 |
| Dedicated CFP® Professional | ✓ | ✓ | ✓ |
| Written Financial Plan with Action Items | ✓ | ✓ | ✓ |
| Custom Financial Model / Dashboard | ✓ | ✓ | ✓ |
| 90-Minute Plan Delivery Meeting | ✓ | ✓ | ✓ |
| Cash Flow & Budgeting Analysis | ✓ | ✓ | ✓ |
| Investment Planning & Portfolio Review | ✓ | ✓ | ✓ |
| Retirement Planning | ✓ | ✓ | ✓ |
| Debt Management Planning | ✓ | ✓ | ✓ |
| Insurance Review & Recommendations | ✓ | ✓ | ✓ |
| Tax Planning & Optimization | ✗ | ✓ | ✓ |
| Equity Compensation Planning (RSUs, ISOs, Stock Options) | ✗ | ✓ | ✓ |
| Education Planning (K-12 & College Savings) | ✗ | ✗ | ✓ |
| Real Estate Analysis (Keep vs. Sell) | ✗ | ✗ | ✓ |
| Estate Planning Guidance | ✗ | ✗ | ✓ |
| Tax Preparation & Filing | ✗ | ✗ | ✓ |
| 60-Minute Coaching Sessions (per year) | 2 | 3 | 4 |
| Unlimited Email Support | ✓ | ✓ | ✓ |
| Annual Plan Update & Goal Tracking | ✓ | ✓ | ✓ |
| Updated Financial Model (Annual) | ✓ | ✓ | ✓ |
| Annual Investment Portfolio Review | ✓ | ✓ | ✓ |
| Active Portfolio Management (Flat-Fee, No AUM) | ✗ | ✗ | ✓ |
| Kickoff Meeting | ✓ | ✓ | ✓ |
| Intake Meeting | ✓ | ✓ | ✓ |
| Plan Delivery Meeting | ✓ | ✓ | ✓ |
| Annual Plan Update & Delivery Meeting | ✓ | ✓ | ✓ |
| Annual Coaching Sessions | 2 | 3 | 4 |
| Dedicated CFP® Professional Email Support | ✓ | ✓ | ✓ |
| Goal Setting and Funding | ✓ | ✓ | ✓ |
| Financial Model | ✓ | ✓ | ✓ |
| Interactive Plan with Action Items | ✓ | ✓ | ✓ |
| Goal Tracking & Prioritization | ✓ | ✓ | ✓ |
| Income and Expense Analysis | ✓ | ✓ | ✓ |
| Cash Flow Optimization | ✓ | ✓ | ✓ |
| Investment Portfolio Review | ✓ | ✓ | ✓ |
| Asset Allocation Recommendations | ✓ | ✓ | ✓ |
| Tax-Loss Harvesting Strategy | ✓ | ✓ | ✓ |
| Actively Managed Portfolio* (Flat-Fee, No AUM) | ✓ | ✓ | ✓ |
| Retirement Income Strategy | ✓ | ✓ | ✓ |
| Social Security Optimization | — | ✓ | ✓ |
| Roth Conversion Analysis | — | ✓ | ✓ |
| Tax Deductions & Credits Strategy | — | ✓ | ✓ |
| Tax-Efficient Account Contributions | — | ✓ | ✓ |
| Tax Preparation & Filing | — | — | ✓ |
| Stock Options (ISOs / NSOs) Strategy | — | ✓ | ✓ |
| RSU Planning | — | ✓ | ✓ |
| ESPP Strategy | — | ✓ | ✓ |
| 10b5-1 Trading Plans | — | — | ✓ |
| Home Affordability Analysis | — | ✓ | ✓ |
| Keep vs. Sell Analysis | — | — | ✓ |
| Real Estate Portfolio Strategy | — | — | ✓ |
| 529 Plan Strategy | — | — | ✓ |
| In-State vs. Out-of-State College Analysis | — | — | ✓ |
| Private vs. Public College Analysis | — | — | ✓ |
| Will & Trust Guidance | — | — | ✓ |
| Beneficiary Review | — | — | ✓ |
| Estate Plan Coordination | — | — | ✓ |
| Life Insurance Assessment | ✓ | ✓ | ✓ |
| Property & Casualty Review | — | — | ✓ |
| Disability & Long-Term Care Analysis | — | — | ✓ |
| Debt Paydown Strategy | ✓ | ✓ | ✓ |
| Debt Refinancing Strategy | — | ✓ | ✓ |
