More than a plan.
Financial Planning + Investment Management + Tax Prep
A dedicated financial decision partner for families with complex financial lives. If your financial picture has many moving parts, or if you just sense your money should be working harder than it is, this service is built for you.
What ongoing planning
actually means.
Most financial advisors see you once a year and call it planning. We work differently. You get a decision partner, not a report. Someone who knows your full picture and is ready when life happens, not just when the calendar says so.
- Access to your advisor between meetings, by phone or email
- Tax planning tied to your decisions and life events
- Coordinated investment management across all your accounts
- Annual personal tax return preparation included
- Twice-yearly planning meetings, plus check-ins when your life changes
- Equity comp strategy: RSU sell-down schedules, option exercise planning, concentrated position management
- Employee benefits review every open enrollment
- End-of-year tax projections so there are no April surprises
Topics we cover together.
Ongoing planning isn’t a fixed menu. It evolves with your life. Here’s a sample of what we regularly work through with clients.
- Life design and goal setting
- Student loans
- Income, cash flow, and budgeting
- Insurance review
- Savings strategy
- Tax planning and preparation
- Net worth tracking
- Investment management
- Stock options and RSU planning
- Retirement readiness
- Employee benefits optimization
- Estate planning basics
Tax planning and tax preparation are included in every ongoing planning relationship.
Most financial advisors hand you off to a CPA who doesn’t know about your equity comp, multiple income streams, or your overall planning context. We keep it all in one place.
Your tax return is prepared by the same team that built your plan, so nothing gets lost in translation.
One personal return included. Additional returns (married filing separately, business, trust, child’s return) are available at a discounted rate for ongoing clients.
Your Investment in You.
- Coordinated tax strategy with one personal return prepared each year
- Investment management for portfolios up to $1M, included
- Equity comp planning: RSUs and ESPPs
- Cash flow planning and goal setting
- Retirement readiness modeling
- Insurance and estate planning review
- College funding strategy
- Twice-yearly planning meetings, plus check-ins as life changes
- Everything in Core, plus:
- Small business ownership planning (entity, pay, retirement, exit)
- Rental real estate strategy
- Complex equity comp: stock options, ISO/AMT, IPO scenarios, QSBS planning
- Owner’s pay and compensation analysis
- Complex tax planning across business and personal returns
- Complex estate planning
Business and trust tax preparation and bookkeeping services are available for an additional fee.
Engagements scoped to your situation. Reach out and we’ll talk through what makes sense for you.
Annual fees are billed in monthly or quarterly installments and may be adjusted based on the complexity of your situation.
See full advisory fee schedule for assets above $1M
| Assets Under Advisement | Annual Advisory Fee |
|---|---|
| $0 – $1,000,000 | Included in planning fee |
| $1,000,001 – $3,000,000 | 0.80% |
| $3,000,001 – $10,000,000 | 0.60% |
| $10,000,001+ | 0.40% |
Is Ongoing Planning
Right for You?
Ongoing planning works best when your financial life has multiple moving parts, and you want a team that stays on top of all of it. Most people who reach out have already been thinking about this for a while.
“I’m not sure I have enough assets to warrant this.”
Our clients are typically in a high-earning, asset-accumulating phase, not a high-net-worth, already-arrived phase. The value of planning is highest when there are still major financial decisions ahead of you: equity vesting, a home purchase, a job change, a business, or kids. If your income is high and your financial life is complicated, the complexity itself is the reason to get organized now.
“I already have a CPA. How is that different?”
Filing a return and planning around your taxes are two different things. Most CPAs are doing the former. What they typically don’t do is coordinate your tax situation with your equity vesting schedule, your investment accounts, your spouse’s income, and your goals for the next five years. That’s the gap we fill—and at LifeSighted, we handle both the strategy and the return.
“I don’t know if I have time to be a good client.”
That’s exactly why this works. We do the ongoing monitoring, the planning, and the tax prep so you don’t have to. What we ask from you is two substantive meetings a year and a willingness to loop us in when something big changes. Everything else, we handle.
“I’m not sure ongoing planning is the right starting point.”
If you have a specific set of questions and aren’t ready for an ongoing relationship, our one-time comprehensive financial plan might be a better fit.