Fee-only financial planning for families — coordinated across college, retirement, and legacy.
Family financial planning is the coordination problem: retirement saving, 529 funding, term life insurance, estate documents, tax-advantaged accounts, and multi-generational aging-parent support all compete for the same dollar. Wirehouse advisors tend to optimize for AUM, not for the full picture. Fee-only advisors model tradeoffs across all these
Situations we handle
- Max 401k or fund 529s more aggressively?
- We have three kids, two of them likely college-bound — how much is enough?
- My spouse works — who should own the term life insurance and what amount?
- Aging parent moving in — what financial planning changes?
- We're thinking about a bigger house — how does that fit with retirement?
- Roth vs traditional 401(k) — whose matters more in a two-income household?
Why a specialist. Family financial decisions interact — maxing 529s can hurt financial aid eligibility, taking a bigger mortgage can crowd out Roth contributions, inadequate term life is often discovered only at the worst moment. A fee-only advisor who specializes in families models the tradeoffs holistically rather than just selling the highest-commission product.
Tools & guides
Family Multi-Goal Savings Calculator
Project your household savings trajectory across retirement and children's college simultaneously.
Family Financial Planning Guide
Detailed framework — rules, tradeoffs, and common mistakes.
Get matched with a specialist
Fee-only advisor with no commission conflict. Free match.