Working with OptimalPath Advisors

After a free initial consultation to assess your needs and goals, we’ll begin crafting your financial plan through a series of 4–5 meetings. This process gives you a clear understanding of your financial picture and a strategic, actionable plan to move forward with confidence.

A great financial plan isn’t set in stone—it evolves as your life and goals change. Once your initial plan is in place, we’ll transition to ongoing financial planning, ensuring you stay on track. With a personalized service calendar and regular check-ins, we’ll review progress, refine strategies, and adapt to new opportunities or challenges. This ongoing partnership provides the clarity and confidence you need to make informed financial decisions at every stage of life.

Creating Your Initial Financial Plan

Financial Planning Topics We Cover

  • Cash flow planning is the foundation of a successful financial plan, but there is no one-size-fits-all approach. We will work closely with you to develop a system that aligns with your lifestyle and financial goals.

  • Investing is essential to achieving long-term financial objectives. Together, we will create a Personal Investment Policy Statement (IPS) outlining your investment strategy, asset allocation, risk tolerance, and liquidity needs. Our recommendations follow Modern Portfolio Theory, using low-cost, globally diversified index funds tailored to your profile.

  • Minimizing taxes is crucial to maximizing investment returns and achieving long-term goals. We will develop strategies to optimize your lifetime tax liability, including asset location, tax-loss harvesting, income deferral through qualified retirement plans, and Roth conversion analysis.

  • Having the right insurance coverage is a critical risk management tool. While we do not sell insurance products, we will review your existing policies to ensure they provide adequate protection for you and your family.

  • Estate planning is often overlooked but plays a vital role in securing your financial future. We will review your existing documents and discuss their impact on your financial plan. If needed, we may recommend consulting an attorney to implement an estate plan that aligns with your wishes for asset distribution and dependent care.

  • Financial Independence provides the ultimate flexibility in life. We will create your OptimalPath Plan, integrating all aspects of financial planning while keeping the focus on reaching Financial Independence as efficiently as possible.

  • Once you achieve Financial Independence, early retirement may be an option. We will develop a tax-efficient retirement income strategy that balances spending needs, capital preservation, and legacy planning, ensuring your financial security throughout retirement.

What Does It Cost?

At OptimalPath Advisors, we are committed to providing exceptional service at a reasonable and transparent fee. As a fee-only fiduciary, I offer unbiased financial planning and advice—with no product sales, no asset management fees, and no account transfers required.

We provide comprehensive financial planning for a flat fee, available as a one-time plan or ongoing advice. See the table below for our current fees.

Service Fee Payment Structure
Initial Financial Plan $2,000.00 50% ($1,000) upfront, 50% ($1,000) at plan presentation
Ongoing Financial Planning $250.00 per month Billed monthly after presentation of initial plan