How We Work Together

Different families need different levels of support.

Below are the three engagement options—and the new Full-Fledged Comprehensive Plan option you've added.

Flat-fee, flexible support built around where YOU are in the caregiving journey and in your own life.

Hourly Consultations

Hourly Consultations (Clear Scope + Care + Personal Needs)

$300 per session

Hourly sessions are ideal for targeted, time-sensitive questions where you need clarity, direction, or a professional second opinion.

These sessions are not meant for full financial planning — they are for specific, focused issues that can be addressed in a one-hour timeframe.

You’ll leave with a clear next-step plan you can act on right away.

Examples of What Does Fit in a One-Hour Session

Care-Related Questions

These are focused, actionable topics:

• Whether Mom/Dad should pay for a current expense

• What to do first when care needs suddenly change

• Reviewing POA responsibilities so you know what you can and can’t handle

• Understanding a Medicare/insurance letter or coverage issue

• High-level guidance on Medicaid rules (no deep strategy mapping)

• Sorting out who handles which bills for a parent

• Preparing for a family meeting or talking to siblings

• Reviewing a short-term care decision (home care vs respite vs next steps)

Your Own Personal Financial Questions

These are questions that can be answered clearly in a small scope:

• Social Security timing basics and what to consider

• Reviewing employee benefits, leave options, or caregiver benefits

• Determining if your insurance still fits your situation

• Spot-checking your investment allocations

• High-level retirement readiness questions

• Understanding tax implications of one decision

What is not included in a one-hour session

Certain topics are too complex or involve too many variables for one hour. These require a project or ongoing support:

• Full retirement planning

• Long-term care cost modeling

• Multiyear tax strategy

• Medicaid planning

• Investment strategy development

• Coordinating finances across multiple family members

• Planning a parent’s care + your retirement simultaneously

• Document organization or creating a family care plan

If a question falls into this category, I’ll guide you toward the right type of engagement — no pressure, just clarity.

Project-Based Planning

For clients who need help with ONE area or a small set of related tasks.

A project is a defined slice of planning, not your full financial life.

Fees will be based on Scope and Complexity of each project. Typically range from $750 to a few thousand.

Examples of Project Scopes:

Tax Projects

• Tax return review

• Roth conversion evaluation

• “Dependent or not?” analysis

• Care-related expense review

• IRMAA/Medicare tax review

• Capital gains planning

Insurance Projects

• Medicare/Supplement review

• LTC policy review

• Life/disability coverage analysis

• Parent’s insurance assessment

Investment & Income Projects

• Investment allocation review

• Social Security timing

• Withdrawal strategy for ONE person

• “Can I retire if I reduce hours to caregive?”

Care Planning Projects

• Long-term care cost modeling

• Home care vs AL vs SNF projections

• Funding plan for a parent’s care

• Medicaid overview (not legal advice)

• Care planning after a sudden health change

Estate & Document Projects

• POA and access review

• Beneficiary/titling audit

• Organizing parent’s finances

• Creating a FamilyCare Summary

Family & Multigenerational Projects

• Sibling coordination

• Clarifying roles

• Family care meeting

• Shared payment strategy

You get a written summary + next steps + coordination notes.

COMPREHENSIVE PLANNING 

Typical flat-fee range: $4,000 -$10,000 depending on scope and complexity

Comprehensive Planning is the most complete option I offer.

It does not mean we must address every CFP topic — but we can if your situation requires it.

What makes it “comprehensive” is this:

We look at the full picture of your financial life AND the financial responsibilities of caregiving, and we build a coordinated plan tailored to your most complex decisions.

This is ideal when:

• Your financial life and a loved one’s care needs overlap

• You need multiple planning areas integrated together

• Your decisions have long-term consequences

• More than one family member is involved

• You’re entering or navigating major life transitions

• Hourly or project-based work wouldn’t get you the depth you need

What Comprehensive Planning Can Include (Custom to Your Needs)

We design the scope with you — it can be narrow or wide depending on your situation.

Below are the most common areas covered.

Your Personal Financial Life (Your Own Needs)

You choose which areas matter most:

• Retirement planning & projections

• Investment and portfolio review

• Risk alignment and withdrawal strategy

• Social Security optimization

• Income planning

• Multi-year tax strategy

• Insurance & risk analysis (life, disability, Medicare)

• Cash flow, debt, and savings strategy

• Estate & beneficiary organization

• Housing or downsizing planning

• Planning for your own future care

You don’t have to check every box — we focus on what’s most important.

Your Caregiving & Family Responsibilities (Their Needs)

We evaluate the unique complexities of supporting a parent, spouse, or family member:

• Organizing their finances, documents, and accounts

• Reviewing POA access and responsibilities

• Care cost modeling (home care, AL, SNF)

• Funding strategies (their assets vs your assets)

• Insurance and Medicare analysis

• Long-term care planning

• Medicaid implications (high-level; not legal advice)

• Managing two sets of cash flow or budgets

• Family coordination and sibling communication

• Preparing instructions for next steps or emergencies

Again — we tailor this to your situation.

You may need all of this, or you may only need certain parts.

Integrated Multigenerational / Families in Transition Planning

This is where comprehensive planning shines — when more than one person’s financial future depends on the decisions being made:

• How your retirement interacts with their care needs

• How tax decisions affect two generations

• Which assets should be used first (and why)

• What level of care is financially feasible

• How to protect your future while supporting theirs

• Balancing fairness and expectations across siblings

• Preparing your kids for your future care

This ties your plan, their plan, and the family plan together.

Why Families Choose Comprehensive Planning

Families choose this level when they say:

• “I need someone to help me see everything clearly.”

• “I’m responsible for my parent and worried about my own future.”

• “We have multiple decisions happening at once.”

• “We need a full roadmap, not one-off advice.”

• “My financial life has gotten complicated because of caregiving.”

• “I need more than a one-hour session or a single project.”

Comprehensive Planning gives you:

• The deepest analysis

• The most coordinated recommendations

• The clearest roadmap

• Support through major decisions

Without long-term contracts.
Without asset minimums.
Without products or commissions.

Your Comprehensive Plan Includes

• A custom scope based on your situation

• Deep analysis across the planning areas that matter most

• Care + personal financial integration

• Modeling and scenario testing

• Written deliverables and next-step guidance

• Coordination notes for your CPA, attorney, or benefits team

• Support through the most complex decisions

Ongoing Support

Starts at $300/month (annual commitment)

Ongoing Support is designed for families who need continuous guidance as both care needs and personal financial situations evolve.
Caregiving changes. Life changes. Your plan should adapt with you.

This option gives you steady support throughout the year so you’re never left navigating new decisions alone.

Who This Is For

Ongoing Support is ideal if you find yourself saying:

• “Things keep changing — I need someone helping me stay ahead of it.”

• “I don’t want to retell my story every time I have a new question.”

• “Care needs are shifting, and I need guidance to adjust financially.”

• “I want ongoing help with both my own finances and my parent’s care.”

• “I need accountability and a plan that evolves over time.”

If your caregiving role or your personal financial situation has multiple moving parts, Ongoing Support keeps everything aligned.

What’s Included

Ongoing Support combines care-related guidance with updates to your own financial plan throughout the year.

Care-Related Support

• Updating the care budget as needs change

• Adjusting care cost projections for home care, assisted living, or nursing care

• Reviewing new insurance or Medicare issues

• Tracking care-related expenses

• Preparing for medical or housing transitions

• Clarifying POA responsibilities as situations shift

• Coordinating responsibilities across siblings or family

• Support for family discussions and decision-making

• Guidance during sudden changes or medical events

This keeps you prepared for whatever comes next.

Your Personal Financial Support

• Annual retirement checkups

• Investment allocation “check-ins” (advice-only; no asset management)

• Social Security reviews as circumstances change

• Annual tax review and year-end tax strategy

• Insurance reviews (life, disability, Medicare, long-term care)

• Tracking how caregiving expenses impact your personal finances

• Updating your withdrawal strategy or retirement timeline

• Reviewing benefits, leave policies, HSAs/FSAs, and workplace support

Your caregiving responsibilities shouldn’t derail your own financial future. This keeps your long-term goals on track.

Family and Multigenerational Support

• Annual family planning review

• Revisiting expectations and responsibilities among siblings

• “Who pays for what?” planning

• Guidance for family coordination and communication

• Tax and cost-sharing considerations

• Reviewing changes across multiple generations

This provides structure, clarity, and stability for families working together.

Regular Check-Ins and Availability

Ongoing Support typically includes:

• Quarterly review meetings

• Quick check-in calls during major transitions

• Short support between meetings to clarify decisions

• An annual deep-dive planning meeting to adjust your roadmap

You have continued access to guidance when life changes.

What’s Not Included

To keep expectations clear:

• Daily bill-pay or bookkeeping

• Asset management

• Legal document drafting

• Preparing or filing taxes

• Medicaid application preparation

• Complex multi-scenario analysis each month (handled through project work)

If a topic requires deeper analysis or a larger scope, we will create a clearly defined project plan.

Why Families Choose Ongoing Support

Caregiving isn’t a single event.
It evolves — often quickly — and affects your time, emotions, and finances.

Ongoing Support gives you:

• A partner who understands your entire situation

• Help adjusting when things change

• Guidance for both your own life and your parent’s care

• A sense of stability and confidence throughout the year

This is the most effective way to stay proactive instead of reactive.

Technology That Makes Decisions Clearer

Financial and caregiving decisions feel overwhelming when all you see are numbers on a page.

I use specialized planning technology to turn complex situations into clear, simple next steps you can confidently act on.

Holistiplan – Smarter Tax Insights

Your tax return is scanned for missed deductions, credits, caregiver-related opportunities, Medicare/IRMAA issues, and multi-year strategies that could save money now and later.

Waterlily – Long-Term Care Cost Forecasting

This tool projects future care needs and costs—home care, assisted living, or nursing care—and shows how your current insurance and savings would support those costs.

RightCapital – Retirement & Income Planning

We analyze retirement income, Social Security timing, investment risk, and withdrawal strategies so you understand how both your life and caregiving responsibilities impact long-term security.

These tools help you see:

• The financial impact of different care choices
• How your retirement is affected by caregiving
• Whether your parent’s resources are enough
• How taxes, investments, and care decisions fit together
• The long-term outcomes of choices you’re considering today

Technology doesn’t replace judgment—it enhances it.

You get a clearer picture, better decisions, and a plan you can actually follow.

What Happens When We Work Together

You’ll see your full picture—not just spreadsheets.

Schedule a Strategy Call – We’ll talk about your situation and goals.

Receive a Flat-Fee Proposal – Transparent pricing, no surprises, no product sales.

Get It Done – We’ll create clear steps and coordinate as needed with your other professionals.

Flat-Fee. Fiduciary. Focused on Family.
Located in Pittsburgh, PA — serving clients virtually nationwide.