Services & Fees

Our Process & Client Experience

Financial Planning Onboarding Process

Each onboarding experience is unique to you but generally takes 3-6 months, depending on client complexity and time restraints.

• Initial Call (30-45 minutes): We will use this time to assess a mutual fit and answer any questions about our process, firm, or pricing.
• Discovery Meeting (45-60 minutes): We will dive deeper into your immediate concerns, current situation, and long-term plans to understand your unique needs. After this meeting, you sign the agreement and pay our onboarding fee.
• Meeting #1: Get Organized (60 minutes): We will send you a list of documents to upload before our first meeting and will use this meeting to make sure we have complete information.
• Meeting #2: Clarify (60-90 minutes): At this time, we will tie off any loose ends or missing documentation discovered during our deep dive into your uploaded documents.
• Meeting #3: Calculate Plan Design (60-90 minutes): By now, we will have plugged your financial and tax data into our models to understand how your situation may change under different life scenarios. We will discuss the underlying assumptions and factors that shape the model.
• Meeting #4: Review & Implement (60-90 minutes): It is time to review the information we have provided, make a plan, and act based on it.

• Annual review of investment and retirement accounts (ongoing investment management throughout the year with option “investment management”)
• Budget Meeting: review current cash flow and check in on savings and spending rate. Answer any questions about upcoming purchases (car, real estate, a big trip, wedding, etc…)
• Tax Review & Retirement Contributions: be prepared for your annual tax filings by gathering documentation and questions about how changes in your personal situation may affect your tax situation (marriage, divorce, children, move, job change, etc…). Ensure you are optimizing your retirement savings based on the country where you currently reside and where you plan to retire.
• Insurance Review: We don’t sell insurance, but we generally recommend at least obtaining term-life insurance if you have anyone who depends on your income. We will review any insurance policies you currently have and make recommendations on the appropriate coverage.
• Estate Plan Review: review all accounts, confirm beneficiary information and current estate plan.
• Education: We will calculate and plan for education costs and look for savings and tax planning opportunities. If you have student loan debt, we will review repayment strategies.
• Charitable Giving: We will review your current charitable giving target and look for opportunities to maximize your annual gifting and legacy.
• Employee benefits review: Do you understand your employee benefits? Are you leaving free money on the table? Should you sign that new contract? We can help you sort these out.
• Prep for the upcoming year: tax law changes, international move, change in jobs? We’ve got you covered and will keep you updated and on track.
• Connection to additional services: If necessary, Connected Financial Planning can connect you via our professional network to immigration, estate, tax preparation, and real estate services in various jurisdictions. 

Planning Service Fees

Our Fees

As fee-only advisors, our compensation solely comes from our clients. In simpler terms, we neither receive nor accept commissions or kickbacks from brokers, banks, or any third parties. This commitment ensures that our client's best interests consistently take precedence. Should any potential conflict arise, we are dedicated to transparently disclosing it, empowering you to make informed decisions. The fee structure is customized to reflect your preferred management approach for your investment accounts. Your financial objectives remain our foremost priority throughout our partnership. Remember, if it’s free or cheap, YOU are the product. 

Financial Planning with Ongoing Wealth Management Support