Focused Planning. Flexible Options. Complete Confidence.
Our modular financial planning service gives you clarity in the areas where you need support most. Instead of committing to a full comprehensive plan, you choose the topics that matter most right now — retirement projections, tax planning, cash flow, insurance, investments, or an upcoming financial decision. This approach is advice-only, flat-fee, and designed to give you clear next steps without unnecessary complexity.
With modular planning, you get focused guidance, practical recommendations, and a strategy that aligns with your values and your goals.
Start With What Matters Most
Modular financial planning gives you access to targeted advice in one or two specific areas of your finances. It’s the ideal solution when you don’t need a full plan but still want expert guidance, clarity, and confidence in the decisions you’re facing.
Whether you’re preparing for retirement, navigating taxes, refining cash flow, reviewing insurance, or evaluating investment alignment, modular planning meets you right where you are — and gives you actionable answers quickly.
Is Modular Planning Right For You?
Modular Planning Is a Good Fit If You:
- You have one or two urgent questions you want answered now
- You prefer a focused working session instead of a full plan
- You want clarity before committing to a bigger engagement
- You like the idea of a one-time, advice-only session
You May Prefer a Comprehensive Plan If You:
- You want a complete roadmap across all areas of your finances
- You have multiple questions that overlap (tax, retirement, investing, insurance, etc.)
- Your situation is more complex (business, equity comp, multiple accounts)
- You prefer one integrated strategy instead of several one-off sessions
Every Module Builds Confidence. Every Step Adds Clarity.
Each module is designed to answer a specific question, remove a specific worry, and plug seamlessly into your bigger financial picture when you’re ready.
Cash Flow Clarity
Get a clear picture of where your money goes and how to align it with what actually matters to you.
In this module, we:
Map your income, fixed expenses, and flexible spending
Use RightCapital’s cash-flow tools to see your trends over time
Identify opportunities to increase savings without feeling deprived
Build a simple, values-based spending plan you can actually follow
You’ll walk away with:
A one-page Cash Flow Summary
A recommended savings rate and target dollar amounts
3–5 prioritized action steps (what to adjust first, and why)
Retirement Readiness
Answer the big questions: Are we on track? When can we slow down? What does retirement actually look like for us?
In this module, we:
Use RightCapital to model multiple retirement ages and lifestyles
Estimate future income from Social Security, pensions, and accounts
Stress-test your plan against inflation, volatility, and longevity
Explore different withdrawal strategies to see how long your money lasts
You’ll walk away with:
A Retirement Readiness Snapshot (probability-of-success view)
A recommended retirement age range and spending guidelines
A clear action plan to improve your odds if there’s a gap
Smart Tax Moves
Turn “I hope this is tax-smart” into “I know why we’re doing this.” We focus on the next few years and the big picture.
In this module, we:
Review your current tax situation and projected brackets
Use RightCapital to test Roth conversions and timing strategies
Look at tax-efficient withdrawal orders (taxable, tax-deferred, Roth, HSA)
Identify opportunities for charitable giving or capital gains planning
You’ll walk away with:
A concise Annual Tax Strategy summary
A Roth conversion or withdrawal plan (if appropriate)
Talking points you can share with your CPA or tax preparer
Savings & Goal Planning
Bring clarity to the goals that matter most—major purchases, lifestyle upgrades, kid milestones, or future plans you’ve been putting off.
In this module, we:
Define and prioritize your short-term and long-term goals
Use RightCapital to project timelines, costs, and inflation-adjusted needs
Model multiple savings paths so you can compare pace, trade-offs, and feasibility
Identify opportunities to accelerate goals without disrupting long-term planning
Show how each goal impacts cash flow, taxes, retirement, and investments
You’ll walk away with:
A clear Goals Roadmap showing what’s achievable and when
Real numbers behind each goal—costs, timing, and required savings
A recommended monthly savings target aligned with your budget and values
A simple, prioritized action plan so you always know what to save or adjust
Turn “I hope this is tax-smart” into “I know why we’re doing this.” We focus on the next few years and the big picture.
In this module, we:
Review your current tax situation and projected brackets
Use RightCapital to test Roth conversions and timing strategies
Look at tax-efficient withdrawal orders (taxable, tax-deferred, Roth, HSA)
Identify opportunities for charitable giving or capital gains planning
You’ll walk away with:
A concise Annual Tax Strategy summary
A Roth conversion or withdrawal plan (if appropriate)
Talking points you can share with your CPA or tax preparer
Investment Fit Review
Make sure your investments fit your goals, risk tolerance, and tax situation—without handing over your accounts.
In this module, we:
Review your current holdings, allocations, and account locations
Use RightCapital’s investment tools to analyze risk and concentration
Evaluate fees and unnecessary complexity across accounts
Suggest target allocations and account “clean-up” steps
You’ll walk away with:
A high-level Investment Alignment Summary (no ticker-by-ticker overwhelm)
Suggested target allocation by account type
A clear checklist you can implement at your current custodian
Protection & Risk Review
Protecting your family is important—but overspending on insurance doesn’t feel great either. We help you find the balance.
In this module, we:
Review existing policies (life, disability, long-term care, umbrella)
Use RightCapital’s risk and needs analysis to estimate “right-sized” coverage
Identify gaps, redundancies, or outdated policy designs
Explain options in plain English—without selling products
You’ll walk away with:
A Coverage Review Summary (keep / adjust / consider replacing)
Recommended coverage ranges and policy types to explore
A simple list of questions to ask your insurance agent or broker
Estate & Legacy Alignment
Make it easier for the people you care about to carry out your wishes—without getting lost in legal jargon.
In this module, we:
Use RightCapital’s estate tools to create a simple flowchart of your current plan
Review account titles, beneficiaries, and key documents you already have
Highlight where your intentions and your paperwork don’t fully match
Clarify topics to discuss with an attorney (without giving legal advice)
You’ll walk away with:
An Estate & Legacy Snapshot (who gets what, and how)
A beneficiary and titling checklist to update with your institutions
A concise attorney handoff sheet to streamline your next legal meeting
Education Funding Plan
Plan for education and big family goals without sacrificing your own financial stability.
In this module, we:
Use RightCapital’s education planning tools to estimate future costs
Compare 529 plans and other savings options in your situation
Coordinate education savings with retirement and other goals
Model different contribution levels and timelines
You’ll walk away with:
A funding target (per child or per goal)
A recommended monthly or annual savings amount
Clear next steps for setting up or adjusting accounts
Business Owner Planning
If you’re a business owner, your personal finances and your business finances are glued together. We help you see the whole picture.
In this module, we:
Integrate your business into your RightCapital plan (income, equity, and risk)
Review how you pay yourself (salary, draws, distributions)
Look at tax, retirement, and cash-flow implications of your setup
Outline options for benefits, retirement plans, and protection
You’ll walk away with:
An Owner Pay & Cash Flow summary
A list of improvement ideas (entity, payroll, retirement plan options to explore)
Clarity on how business decisions flow through to your personal plan
Decision Clarity Session
Sometimes you just need help with one big decision. We bring the numbers, context, and calm.
In this module, we:
Define the decision clearly (e.g., buy vs. rent, pay off vs. invest, keep vs. sell)
Use RightCapital to build side-by-side scenarios
Talk through tradeoffs in plain language—not jargon or sales pitches
Help you clarify what “best” looks like for your family and values
You’ll walk away with:
A Decision Summary that compares your options
A recommended path forward (with caveats where appropriate)
Confidence that the decision is grounded in both math and your priorities
A Clear Next Step Toward Your Full Financial Picture
When you’re ready for a full plan, we simply layer your completed modules together — no starting over, no wasted work, just a clearer, more complete picture.
Clear, Simple Pricing for Modular Planning
No surprises. No AUM. Just focused expertise delivered through a single working session.
One Single-Session Fee
$495–$795
What’s Included:
60–75 minute focused working session
Pre-meeting intake + document review
Personalized recommendations
Action steps you can implement immediately
Follow-up summary delivered within 48 hours
No upsells. No ongoing obligation.
Need more than one session? Additional modules are available at the same flat rate.