A one-hour planning call by phone, then a written plan within three business days
We call on weekdays, 9 to 5 Eastern. Pick a day to see its open times.
$99, paid when you book. We call you, and the written action plan arrives in your client portal. We don’t sell investments or insurance, so the hour is only about your numbers.
Book a planning call, $99Your details
We call you on this number and send the confirmation and your written plan to this email.
For example: side income started this year and I don’t know how much to set aside.
Pay for the call
You pick your time as soon as you’ve paid.
Paid. Pick a time for your call.
What happens, and when
Have these open when we call
- Last year’s tax returnFederal and Virginia, every page. It shows your income mix, filing status, withholding and what was claimed.
- Most recent pay stub for each jobGross pay, taxes withheld, 401(k) and benefit deductions, year-to-date totals.
- The last two or three months of bank and card statementsOr your budgeting app, open. We walk through where the money goes.
- Every debt: balance, interest rate, minimum paymentCards, car, student loans, mortgage, medical, personal loans. Statements or the app are fine.
- Retirement and investment balances401(k) or 403(b), IRA, Roth, HSA, brokerage, 529, plus your contribution rate and the employer match.
- Housing numbersMortgage statement with rate, balance and escrow, or your rent and lease end date.
- Insurance summaryHealth plan and deductible, life and disability coverage amounts, auto and home premiums.
- If self-employed: year-to-date income and expensesA profit-and-loss report or simple totals, estimated payments made, and the business bank account.
- Any IRS or state letters, unfiled years, or tax balancesHave the letter in front of you; the notice number tells us what to do.
- Your goals, with rough numbers and datesBuying a home, paying off debt, retirement, kids’ college, a business. And any changes coming this year.
Nice to have: a recent credit score (most card issuers show it free); your Social Security statement from ssa.gov, if retirement is on the list; your employer benefits guide, if open enrollment is coming.
Nothing to upload before the call. If a document matters afterwards, add it through the client portal.
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What the hour covers
- Cash flow where your money goes each month, and what to change first
- Debt what to pay down, in which order, and what to leave alone
- Savings how much, for what, and the tax side of a 401(k) or IRA in 2026
- Tax moves for 2026 withholding, estimated payments, deductions
- Side income or self-employment what to set aside and what to track
- The written plan the one or two things to do next, written down
You get reminder emails a day, an hour and ten minutes before the call. We call you at the time you pick; if we miss each other, we try again five minutes later. Once you’ve booked, the booking page and your confirmation email list what to have open when we call. There is nothing to upload beforehand.
Planning sessions are educational and tax-focused: we do not sell investment or insurance products and do not give advice about investing, investments, or specific securities. We are not an investment advisor.
Not sure the hour is what you need? Call (804) 842-4251 first, weekdays 9 to 5 Eastern.