
Packages Tailored to Your Needs

1
Choose the Financial Plan That's Right for You
Choose between our Comprehensive Plan, which offers a thorough evaluation and a detailed financial roadmap, or the Quick-Start Plan, designed for those who prefer a self-directed approach with essential guidance from a financial professional. If needed, you can also add an Estate Plan as an add-on service.
2
Determine Your Ongoing Servicing Needs
Opt for Proactive Planning if you prefer regular, hands-on support with frequent check-ins and adjustments to your financial strategy. Alternatively, choose Maintenance Planning for periodic reviews and updates, ideal for those who prefer less frequent (but still essential) financial oversight.
3
Review and Adjust as Your Needs Evolve
Each year, we’ll reevaluate your financial plan and adjust your service tier to ensure it continues to meet your changing needs. Whether your circumstances shift due to life events, new goals, or changes in the financial landscape, we’ll work together to refine your plan and ensure it remains aligned with your long-term objectives.
Whom We Serve
Our Financial Planning Packages
Which Package Is Right for You?
Our aim is to enhance your life's financial journey, regardless of your current situation. We believe in tailoring our services to your needs, ensuring that we find the right level of support for you. Your financial success is our priority, and together we can determine the service tier that best suits your goals and aspirations.
* Trust and will services available through our trusted partner at exclusive rates
Service | Quick Start Plan | Comprehensive Plan | Ongoing Services |
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Money Mindset Assessment | Yes | Yes | |
Budget Analysis | Yes | Yes | |
Smart Debt Strategy | Yes | Yes | |
Savings Plan | Yes | Yes | |
Retirement Planning | Yes | ||
Investment Planning | Yes | ||
Insurance Analysis | Yes | ||
Education Savings Plan | Yes | ||
Tax Optimization | Yes | ||
Legacy & Estate Planning | Yes* |
Ongoing Services
At the heart of our ongoing services is a commitment to partnership in your financial journey. We believe in building enduring professional relationships, where we work together to navigate each season of your life. Our tailored approach ensures that as your financial situation evolves, we’re right beside you, providing continuous support and expert guidance. By staying engaged and responsive, we help you adapt to changes, make informed decisions, and achieve your long-term financial goals with confidence.

Proactive Planning
Starting at $5000/yr
For those who wish for dedicated attention from our planning team. We actively strategize to capitalize on financial opportunities and ensure your path forward is clear, empowering you to maintain full control over your financial situation. Includes:
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Quarterly strategy meetings
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Unlimited financial advice via phone, email, or text
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Access to financial planning software and other financial tools
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Annual personal tax preparation
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Health plan review and recommendations
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Strategic and systematic focus on Proactive Financial Planning Services (detailed below)

Maintenance Planning
$2000/yr
Essential ongoing support for clients who prefer a more affordable option. While less strategic than the Proactive package, it ensures that your established financial plan is periodically adjusted to remain relevant and effective, offering peace of mind as your needs evolve. Includes:
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Annual financial review
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Unlimited financial advice via phone, email, or text
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Access to financial planning software

Hourly Financial Advice
$200/hr (90-minute min.)
For those who prefer flexible and timely financial advice with less long-term commitment, we offer financial planning services for an hourly rate. This option is perfect for clients who need specific guidance or have occasional questions without committing to an ongoing service plan.
Proactive Financial Planning Services
At Heartwood, we take a partnership approach to financial planning, offering a comprehensive array of specialized services in our Proactive Planning tier. We take a comprehensive approach to understand your current financial situation, long-term goals, and risk tolerance. With this information, we develop a personalized financial roadmap that encompasses budgeting, cash flow management, investment strategies, debt management, and more. Our goal is to help you achieve financial balance, make informed decisions, and navigate life’s financial complexities.
Retirement Planning
Planning for retirement is a crucial step in securing your financial future. We strive to create retirement plans that align with your unique goals and lifestyle aspirations. We analyze your current retirement savings, projected income needs, and investment strategies to develop a comprehensive retirement plan that maximizes your resources, minimizes risks, and ensures a comfortable retirement lifestyle.
Investment Planning & Wealth Management
We offer personalized wealth management services designed to help you preserve and grow your wealth over the long term. Our investment team will work closely with you to develop a tailored investment strategy that aligns with your financial goals, risk tolerance, and time horizon. We provide ongoing monitoring and adjustment of your portfolio to ensure it remains in line with your objectives and adapts to changing market conditions.
Budget Review & Cash Flow Analysis
Our Budget Review and Cash Flow Analysis service provides a thorough assessment of your spending habits, identifying opportunities to reduce expenses without compromising your lifestyle. We work with you to create a balanced budget that aligns with your financial goals and lifestyle preferences. By optimizing your cash flow, we help you achieve greater financial stability and peace of mind, allowing you to focus on what matters most to you.
Estate & Legacy Planning
Preserving and protecting your assets for future generations requires careful estate planning. Our estate planning services help you establish a comprehensive plan that reflects your wishes, minimizes tax implications, and ensures a smooth transfer of wealth. We collaborate with our partner Trust & Will to help you create estate planning documents that reflect your unique circumstances and protect your legacy.
Tax Planning & Preparation
Effective tax planning is essential to optimizing your financial position. We offer proactive tax planning services to help you minimize your tax liabilities and maximize your after-tax income. Our team stays up-to-date with ever-changing tax laws and regulations, enabling us to identify opportunities for deductions, credits, and tax-efficient investment strategies. By implementing effective tax planning strategies, we aim to optimize your overall financial picture.
Smart Debt Strategy
Debt management is crucial for maintaining financial health. Our Smart Debt Strategy service offers personalized advice and creates a plan to tackle your debt effectively. We assess your current debt situation, prioritize payments, and recommend strategies to reduce interest and eliminate debt systematically. This proactive approach not only helps you become debt-free but also supports your long-term financial well-being, empowering you to grow your net worth without the burden of financial stress.
Insurance Review
Protecting your financial well-being and that of your loved ones is paramount. We regularly assess your insurance needs and provide guidance on appropriate insurance coverage options, including life insurance, disability insurance, long-term care insurance, and more. We analyze your specific circumstances and recommend insurance solutions that offer comprehensive protection and peace of mind.
Education and Minor Savings Plan
Saving for education expenses or gifts to minors requires a strategic approach to leverage tax advantages and compound interest. Our Education and Minor Savings Plan service helps you establish and manage savings plans, such as 529 plans or custodial accounts, tailored to your financial goals and the needs of your beneficiaries. We guide you in making informed decisions that maximize growth and provide for the future educational needs of your loved ones.
Advisory Services and Fees
In addition to comprehensive financial planning, we offer advisory and asset management services to clients who are actively engaged in an ongoing planning arrangement. Our advisory fee structure is designed to be transparent and competitive, with fees set at 1.25% for the first $1 million in assets, 1% for assets up to $3 million, and 0.65% for assets above that threshold.
To ensure that your overall costs remain manageable, advisory fees can offset your planning fees. For assets we directly manage, every dollar of advisory fees will reduce your planning fees by the same amount. For assets in employer-sponsored retirement plans that we manage, advisory fees will offset your planning fees at a rate of 50 cents on the dollar. This structure allows us to provide ongoing, personalized financial guidance while aligning your costs with the services you receive.

Get in Touch
​If you're seeking tailored financial planning services, we invite you to schedule a consultation with our experienced team. We would love the opportunity to meet and discover how we can best be of service to you. We look forward to seeing you!
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