Full Financial Life Planning At An Affordable Price
We are on a mission to make truly comprehensive financial advice available to anyone who needs it, regardless of their net worth. By working 100% virtually we are able to keep our operating costs low and pass those savings on to you. When you partner with us, you get unlimited access to an experienced, fiduciary CFP® who only works with a limited number of clients at a time. So you don't have to worry about paying for biased, cookie cutter advice.
We Typically Work With Two Types Of Clients:
We believe we can have the greatest impact on our clients when they are in one of two stages in life. The financial advice that we deliver is customized depending on which one you fall into.
You are earlier in your career and you may not have a ton of assets saved up yet. But you recognize that doesn't mean your financial planning needs are any less complex. Having to juggle long-term goals such as saving and investing for retirement, with other priorities such as buying a house, paying off student debt, traveling, saving for college, raising a family, and growing your career, feels like a real juggling act. 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.
If you are preparing to make work optional, you are probably starting to wonder exactly how it's all going to work. The transition from a steady paycheck to living off your assets and social security is a big one that leaves most people feeling at least a little anxious. You want to be sure you won't run out of money in retirement. But you also want to make sure you are living your life to the fullest while you still have your health. We will help you retire with confidence by creating a concrete, organized, income and investment plan.
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 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.