Full Financial Planning

A thoughtful, comprehensive roadmap for your entire financial life.

At TrueStar Financial Partners, our Full Financial Planning service is designed to help you build a personalized strategy tailored to your unique goals. We take an integrated approach to your financial universe—incorporating everything from cash flow and retirement funding to tax mitigation, business planning, and estate considerations.

We specialize in guiding three distinct groups through the complexities of building and protecting wealth:

1. Busy Families & Professionals (30s & 40s)

When career momentum, family obligations, and life in general puts your time at a premium, we provide the structure to help you stay on top of:

• Retirement & Education Savings: Setting optimal accumulation targets, identifying the right tax-advantaged accounts, and structuring the underlying investments.
• Protection & Insurance Analysis: Evaluating your exact life and disability needs. We do not sell insurance products, so our guidance is purely objective.
• Estate & Legacy Review: Reviewing beneficiary designations and common estate frameworks to ensure your family is protected.

2. Mental Health Professionals & Private Practice Owners

Navigating the finances of a private practice brings a unique set of challenges. We help therapists and practice owners optimize the intersection of personal and business wealth:

• Tax Optimization of Business Structures: Modeling your business cash flow and practice profitability to evaluate whether an S-Corp tax election makes sense for your bottom line.
• Practice Retirement Strategies: Evaluating and implementing tax-deductible retirement plans (like SEP-IRAs, Solo 401(k)s, or SIMPLE IRAs) to lower your business tax bill.
• Tax-Efficiency & Growth: Aligning your practice’s profitability with your long-term personal financial independence goals.

3. Pre-Retirees & Retirees Seeking an Ongoing Partnership

For those navigating or approaching the “Retirement Red Zone” who want continuous, year-round guidance to ensure their money lasts a lifetime, we provide a structured framework to evaluate:

• Income & Cash Flow Strategy: Developing a dynamic approach to coordinate workplace pensions, real estate income, and distributions.
• Tax-Efficiency: Identifying specific opportunities for tax-sensitive withdrawals throughout your retirement years.
• Healthcare & Longevity Coordination: Evaluating Medicare options and planning for long-term care needs.
• Legacy & Estate Coordination: Aligning your account titling, beneficiary designations, and asset layout to ensure a seamless wealth transfer to the next generation.

Looking for a standalone, short-term project instead of ongoing planning? If you are 5 to 7 years away from retirement and prefer an intensive, flat-fee project focused strictly on paycheck replacement and Social Security timing without a long-term contract, explore our TrueStar Retirement Readiness Plan ($2,000).

Our Structured 8-Week Timeline

We believe comprehensive planning shouldn’t drag on for months. Once we have received your initial onboarding data, we commit to delivering your completed, written financial plan within 8 weeks.

Note: The total onboarding process can add anywhere from a few days to a few weeks to the overall timeline, depending entirely on the complexity of your situation and how quickly you can securely link your accounts and upload your financial documents.

Once your plan is finalized, we provide regular, ongoing touchpoints to monitor your progress, adjust for life changes, and ensure your strategy evolves alongside your goals.

Straightforward, Transparent Pricing

We believe real financial planning requires absolute fee transparency. We don’t sell products and we don’t earn commissions.

Full Financial Planning Setup Fee:

• $2,400 one-time fee for families and couples.
• $1,600 one-time fee for individuals.

Ongoing Monitoring & Support: $500 per quarter to keep your plan updated, track your progress, and adapt to major life changes. This ongoing fee is completely waived if you utilize our comprehensive Investment Management services.

Ready to Build Your Roadmap?

Let’s find a time to chat, look under the hood of your current financial picture, and see if we are a good fit to work together.