Full Financial Life Planning With No Investment Minimums
We are on a mission to make truly comprehensive financial advice available to anyone who needs it, regardless of how much they currently have to invest. By working 100% virtually we are able to keep our operating costs low and pass those savings on to you. We are one of the rare financial planning firms that charges a flat-dollar fee instead of charging you based on how much you invest. When you partner with us, you get access to a dedicated experienced, fiduciary CFP® who only works with no more than 40 clients at a time (much lower than the industry average). So you can be confident you will receive the personalized attention your financial well-being deserves.
We Typically Work With Early And Mid-Career Professionals
We recognize that if you are under 50, you have different planning needs and priorities than the older people that most advisors prefer to work with. Our planning expertise is focused on helping early and mid-career professionals build a comprehensive foundation of financial wellness that will benefit you for decades to come. We believe if you have a detailed plan that enables you to make smart financial decisions earlier in life, the retirement part should be a breeze.
Does This Sound Like You?
You are in the early or middle stages of your career and you may not have a ton of assets saved up yet. Or they may all be tied up in your employer-sponsored retirement accounts, which means most other advisors aren't willing to work with you. You are being forced to balance multiple financial goals such as retiring as soon as possible, buying a house, paying off student debt, and saving for college, all while growing your family and your career. You don't want to have to give up on all the other things in your life that bring you joy but cost you money such as traveling and other hobbies and interests. Maybe you are considering taking a temporary work sabbatical, going back to school, starting a business, or even an early retirement. We understand this can all feel a bit overwhelming. We are here to help you find the right balance so that you can still enjoy your life in the present, without having to sacrifice too much of your future.
We Believe You Deserve Better Than The "Typical" Client Experience
Many of the traditional financial advisor business models are too sales-based and complex, riddled with conflicts of interest, and ineffective in helping people achieve their goals. So we decided to create a better way.
How is HCP Wealth Planning Different?
As CFP®s working for an independent Registered Investment Advisor Firm, we are required to act as fiduciaries 100% of the time. This is different from advisors who work at brokerage firms or hybrid firms. We never receive commissions or compensation from third parties. So you can be sure we ALWAYS put your best interests first.
Transparent, Flat Fees
Unlike the vast majority of firms, we charge a fixed, flat dollar fee that includes financial planning and investment management because we believe the amount you pay your advisor should be based on the services you actually receive, not how much you invest or what you can afford to pay.
Collaborative and Comprehensive
Our planning process is effective in getting real results because it focuses on your entire financial life and puts you in the driver’s seat. We recognize that while we may have professional expertise, you are the expert on your own lives. We unite the two so that we can make good decisions together.
We leverage technology to maximize your experience. We understand that younger clients want advice anytime, anywhere, and they don't want to have to drive to a stuffy office to get it. Our meetings are conducted online or on the phone. This allows us to meet with you around your busy schedules including weekends. All clients get access to our state of the art client portal and app so you can keep track of your financial life from anywhere.