services & pricing

Services designed to meet you where you are

Skipjack Financial offers comprehensive financial planning, starting with a focused first year to develop your plan followed by ongoing support as your financial needs evolve. Investment management is included at no extra cost. We also offer project-based planning and customized seminars.

Comprehensive Financial Planning

This is the full Skipjack Financial experience.

Through a personalized and ongoing partnership, we help you navigate and optimize every aspect of your financial life. Together, we create a dynamic financial strategy that evolves with you, ensuring that every decision supports the life you want to lead, now and in the future. We’ll check in multiple times a year to ensure we make progress towards your goals and stay on top of all your to-dos related to your financial life. Clients who choose this option often ask us to manage their investments (at no additional charge). 


Fee: An upfront fee of $500 - $4,000, followed by an annual fee of $2,400 - $10,800, billed either monthly ($200 - $900) or quarterly ($600 - $2,700)

OUR
PROCESS

We’ve built our process to make every client feel empowered, understood, confident, and ultimately fulfilled.

Your First Year: Building the Foundation

In our first year together, we'll meet 4-6 times, each session building upon the last to create a comprehensive financial strategy tailored just for you. 

1. Unveiling Your Vision

We'll dive deep into what truly matters to you. We'll explore:

  • Your ideal life vision and core values

  • Sources of joy and contentment in your life

  • Challenges that keep you up at night

  • Your emotional relationship with money

  • Expectations for our partnership and commitment to shared success

2. Organizing Your Financial Life

We’ll help you gain clarity on your current financial picture:

  • We'll help you gather and organize all your financial information

  • You'll gain access to your secure financial planning portal

  • We'll create a comprehensive snapshot of your current financial state

  • We'll refine and prioritize your goals, ensuring they align with your true self

3. Your Personalized Recommendations

This is where your big picture comes into focus:

  • We present your comprehensive, tailored financial plan

  • Discuss and agree on the best strategies to achieve your goals

  • Prioritize actions with a "now, soon, later" timeline

  • Ensure full alignment before moving forward

4. Mastering Investments & Behavior

Here, we blend financial expertise with behavioral insights:

  • Explore the fundamentals of smart, evidence-based investing

  • Uncover how emotions impact financial decisions

  • Develop strategies to avoid common behavioral pitfalls

  • Create an investment approach that aligns with your goals and values

5. Launching Your Financial Journey

In our final foundational meeting:

  • Address any outstanding questions or concerns

  • Finalize implementation details and take your first steps

  • Set the stage for ongoing support and guidance

Ongoing support: Navigating Your Financial Future

After our initial series of meetings, our partnership evolves into ongoing support tailored to your needs. We'll continue to meet regularly, typically three times a year, to:

  • Review progress and celebrate wins

  • Address new opportunities or challenges

  • Ensure your financial plan remains aligned with your goals and values

Financial topics we’ll cover together:

  • Mapping financial plans to lifestyle goals and values
  • Cash flow and debt management
  • Investing
  • Tax planning 
  • Retirement 
  • Estate planning
  • Insurance 
  • Optional: 

    • College savings

    • Gifting 

    • Equity compensation

Investment Management Services

As part of our Comprehensive Financial Planning, we offer investment management services at no additional cost.

WHAT’S INCLUDED

  • Personalized investment strategy aligned with your goals and risk tolerance

  • Portfolio construction using low-cost, diversified investments

  • Regular portfolio rebalancing and tax-efficient management

  • Ongoing monitoring and adjustments

OUR APPROACH

  • We use evidence-based investing strategies. 

  • We focus on factors within your control: asset allocation, diversification, and cost minimization.

  • We partner with Betterment, a leading digital investment platform, to provide efficient, low-cost investment management. This is the place I invest my own family’s money. 

  • Clients who work with Skipjack Financial as their advisor will benefit from a reduced Betterment fee. Instead of the standard 0.25% fee charged to those who go directly through Betterment, our clients will enjoy a discounted fee of 0.15%.

Planning Calendar

We’ll meet 3x/year (more if necessary) to discuss important and timely topics. The rest of the year, we’ll be working behind the scenes. We’re available by phone or email if you need us. Plus, you'll have 24/7 access to your secure financial planning portal, where your evolving financial plan is always at your fingertips.

WINTER

Update net worth and income 

Review cash flow and savings rate

Track debt pay down progress and review strategy

Track progress towards goals

Credit score review 

Prepare to file taxes

SPRING

Review investment strategy 

Assess emergency reserves

Retirement/financial independence savings progress 

Update college savings plan (if applicable)

Alternating years: Review insurance or Review and update estate plan

SUMMER

We will monitor your finances so you can enjoy time with your family.

We're here if you need us! We will let you know if there's anything you need to be doing or thinking about.

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FALL

Revisit vision, values, and goals

Assess financial and life satisfaction & identify opportunities for improvement

Year-end tax planning and to-dos

Optimize employee benefits and review open enrollment decisions

Plan and facilitate year-end giving

Other Services

There are two other ways to work with Skipjack Financial: Project-based Financial Planning and Seminars

Seminars and Speaking engagements

This service is for groups, companies, and organizations that want training and education.

For organizations, Skipjack Financial is available to design and deliver educational workshops, seminars, or guest speaking engagements tailored to your organization's needs. Topics range from general personal finance and budgeting to integrating money mindsets and behavioral psychology into your money management.  

These engaging, actionable sessions empower your team or audience with strategies to improve their financial literacy and overall well-being. We translate complex financial principles through an entertaining, thought-provoking lens that resonates with you/your team’s core values.


Fee: Fees range from $1,000 - $10,000 per seminar, but may be provided pro bono at my discretion.

Project-based financial planning

This service is ideal for clients who have a pressing financial concern and need one-time targeted support.

This focused, limited-scope engagement is tailored to address a specific financial question or situation you have. You may be evaluating a job transition, assessing employee benefits at a new company, planning to buy a  home, managing an inheritance, deciding a charitable giving strategy, or getting married and considering how to manage your finances together.

We’ll work with you to analyze your situation, explore your options, and develop actionable strategies tailored to your unique circumstances to help you move forward with confidence. This service is ideal for clients who need one-time targeted support without the commitment of ongoing comprehensive planning.

Fee:  Fixed fee rates range between $500 - $10,000. My hourly rate is $250/hr. 

Ready to start your journey towards financial clarity and personal fulfillment?

Let's begin writing your unique financial story together.