Financial Planning

Many individuals confuse financial planning with general savings and investing advice. While how to save (and how much!), and where and when to invest those savings, is every bit important, prudent Financial Planning goes much beyond the realm of just saving and investing. The sooner you understand the role of financial planning in meeting your short, medium and long-term financial aspirations, the better you’ll be able to control your financial destiny.

Why Financial Planning is Important

A well-grounded financial plan is essential for anyone who wishes to accomplish specific financial objectives. Whether it be the idea of owning your home (sooner, rather than later!), making sure your children’s education is well funded, or ensuring a smooth and stress-free retirement; all of these seemingly disparate components come together under a unified financial plan.

The scope of an effective financial plan should therefore cover key aspects such as Saving, Budgeting, Investing, Tax planning, Insurance planning, Retirement planning, Estate planning, and much more.

What We Can Do For You

Our systematic approach to Financial Planning services includes:

  • Discovering You: We realize that financial planning is all about YOU! And the only way that we can deliver what YOU need is to understand what those needs are. We do this through a consultative discovery approach of getting to know you, and helping you understand what we can do for you.
  • Strategizing: Now that our professionals have a better sense of who you are, and what you wish your financial future to look like, we can work together to create a financial strategy that will help you fulfil those financial objectives.
  • Holistic Planning: Cookie cutters don’t work for us – and we believe they don’t serve the interest of our clients either. Through our systematic strategy-building process, we’ll create a set of personalized, holistic plans – for the short, intermediate and long-term, that will help fulfil your overall financial strategy. Our planning process is intensive, and we do it using a consultative and iterative approach. Each session brings us closer to helping you achieve the financial objectives that we set out together, during the Discovery phase.
  • Implementation: Now that the plans are in place, we’ll walk you through the process of implementing them. Whether it’s making the right investment decisions, choosing the right insurance plan for you and your family, saving enough (and regularly) to reach your retirement goals, or creating an Estate Plan that preserves your legacy; our qualified Financial Planners will be right there by your side as you take each step. Through foresight, encouragement and professionalism, we’ll make sure each step of the plan is successfully implemented.
  • Frequent Reviewing and Monitoring: While we’ll laud you at every successful implementation of your financial plan, we’ll stay vigilant throughout the process to make sure you stay on track to meet each of the objectives set out in the plan. Through constant monitoring, and frequent reviews with you, we’ll consult with you and make modifications to the strategies and plans as and when needed.


Hourly Financial Planning

Q. Who’s it for?

A. You have specific money questions or issues that you need advice on, you prefer to pay for only what you need, and you do not need an on-going relationship nor investment management.


What kinds of Money Questions Can We Help With?

Employee Benefits - 401k Allocation, Stock Options, Restricted Stock, Health Savings Accounts, Flexible Spending Accounts, Deferred Compensation

Insurance - Life, Disability, Long-Term Care

Investments - Allocation, Risk, Projections, Cost Analysis, Cash Balances

Taxes - Tax Planning, Deduction Maximization, Optimization, Coordination 

Estate Planning - Wills, Trust, Health Care Proxies, Power of Attorney, Letter of Instruction 

Retirement - Projections, Planning, Spend Down Decisions, Answer to "Am I on Track?" 

Housing - Rent vs. Buy Decisions, Deduction Optimizations, Long-term Projections

Budgeting - Spending Analysis, Expense Reduction Strategies, Debt Payoff

Liabilities - Debt Optimization, Refinance Decisions, Restructuring

Risk - Home, Auto, Umbrella, Cyber Security, Emergency Fund


Open Enrollment & Social Security Optimization


$325 per hour

Our rate is $325per hour. Often, we will need one billable hour to review your documents and prepare for our initial meeting or call. 

Subsequent calls can be booked in as little as 15-minute increments.   


Monthly Fixed Fee Financial Planning

Who’s it for?

A. You want an on-going, pro-active relationship with your financial planner that starts with a comprehensive financial plan, and includes regularly scheduled meetings to keep you on track, plus unlimited emails & calls between meetings.


What's Included?

Comprehensive financial plan

At least two meetings to start our relationship.

Regular six-month review meeting

Workplace Open Enrollment Advice

Personal Financial Website

Referrals to other professionals within our extensive network

Advice on investment allocation on all investment accounts

Dedicated service model

Unlimited emails/calls

$300 - $1,500 per month

(depending on complexity)

The above fee schedule applies to new clients of Capital360Financial, LLC and is subject to negotiation.


Full Service Financial Planning

Q. Who’s it for?

A. You want a partner who is there to help guide you in every aspect of your financial life. You may have recently lost a spouse, or went through a divorce, or are close to retirement. In any case, you want a strong advocate, supporter, and fiduciary that will deliver to you the highest level of financial expertise, in a kind, educational, and empathetic manner.


What's Included?

Comprehensive financial plan

At least two meetings to start our relationship

Regular six-month review meeting

Investment Management Included

Personal Financial Website

Referrals to other professionals within our extensive network

Dedicated service model

Unlimited emails/calls

Annual Meetings at your desired location

Meetings with your children as needed

Meetings with your other professional advisors as needed (CPA / Attorney / Insurance Advisors, etc.)



Assets Managed

Annual Fee

$50,000 to $99,999


$100,000 to $249,999


$250,000 to $499,999


$500,000 to $999,999


$1 million to $1,999,999


$2 million to $4,999,999


$5 million to $9,999,999


$10 million to $19,999,999


$20 million to $29,999,999


$30 million to $39,999,999


$40 million to $49,999,999


$50million and over



The minimum annual fee for our full-service offering is $5,000 per year. Fee schedules do not include internal fund fees, outside manager fees (if applicable), or any non-trading related transaction costs.

The above fee schedule applies to new clients of Capital360Financial, LLC and is subject to negotiation.