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Hourly financial advice customized to you

Discuss anything you like, pay by the hour.

We offer modular financial planning services, meaning that the scope of our work together can be as comprehensive or as narrow as you would like and you will only pay for the planning you want.  

Scroll down to see examples of typical topics we address, or choose your own.

We highly recommend checking out our Planning Packages prior to requesting hourly services as they offer discounted rates after the first 2 hours and also include lifetime access to your Personal Financial Management Portal at no additional cost. Click below to learn more.

See Planning Packages

Pricing & Free Consultation

Our standard rate is $250 per hour with a minimum fee of $500. All sessions are rounded up to the nearest half hour after the first hour.

Each engagement includes a free, 30min consultation that can help us get an idea of what you are looking for and usually provide a cost estimate prior to any commitment. Please see the Pricing page for more details.

Most Popular:

Establish Your Personal Financial Management Portal

The first step in getting your financial life on track is to organize your digital life - enter your Personal Financial Management Portal. From there you can:

  • Aggregate all your financial accounts - from banking and credit cards to loans and investment accounts.
  • Create a budget and track spending to see how it affects your overall goals
  • See your current Net Worth and how your decisions impact it over time
  • Securely upload irreplaceable documents such as trusts, deeds and family records to your Vault for safekeeping.* 

*The services, tools and information, as well as privacy and security measures, offered herein are provided by eMoney Advisor, LLC. For more information on eMoney’s privacy policy and security safeguards, please visit    SagePoint Financial and Palfini Financial make no representations or warranties of any kind about the information, products or services contained herein.

Second Opinion - Investment Portfolio Review

Do you manage your own investments  or already have someone doing it for you? We will analyze your individual holdings as well as general asset allocation and offer feedback, suggestions and actions to consider. 

DIY Investing or Getting Started Investing

Do you want to start investing but don't know where to start? We can go through your DIY options and suggest ways to maximize your chances of sticking to it. Especially popular for Millennials (and grandkids!)

Quick Social Security Strategy Session

Not sure when you should draw your Social Security? Interested in a back of the envelope projection of what your benefits would look like by waiting for a couple years? Let us help you narrow down your options so you can use that to inform your decision making process.

Employer Retirement Plan Help - Pension 401(k) 403(b) 457

Pension Distribution Comparison - Lump Sum or Payments?

While it may seem like a rather innocuous decision, the impact of whether to take a single lump sum or payments can have lasting effects on your retirement and your family. Let us look at your particular situation and help you make the best choice so you can rest easy with your decision.

Help Me Select Investments In My Employer Retirement Plan

Not sure if your 401(k) asset allocation is appropriate for your career stage? Would you like us to screen the investment choices in your 403(b) plan? We will review your current investments, go through your options and can help determine the optimal contribution rates for your plan.

Guidance On My Employer Benefits Selections

Some employer benefit selections are simple, but others can be rather complicated. We will analyze the trade-offs, and there may be ways to supplement your benefits with external resources. Let's review your annual selection options and make your enrollment this year as easy as possible.

Employer Transition Session

Have you recently switched employers and not sure what to do with your old retirement plan? Or maybe you feel trapped in your current job because you aren't sure what your options are. We can shed some light on what you can do and when you can do it so you can focus on settling in to your new position.

Situation Specific & General Planning

Tax Planning

With the new tax bill comes a lot of changes that not everyone are aware of. Let us take a look at your past returns and make some projections for the current year so you pay only what you have to and take advantage of any new regulations.

*SagePoint Financial does not offer tax advice.

Education Planning

Just like anything involving compound interest, the sooner you start saving for future expenses the more the money can work for itself and help you reach your goals. It is never to early to setup those college funds and plan for the future.

Leaving a Legacy - Estate Planning*

Whether you are trying to get everything in order for your loved ones or to donate to charity, we can help you make the most of your estate. We will discuss and assess courses of action in conjunction with your estate planning attorney.

*We do not offer legal advice or legal document preparation. 

Are You Protected? - Insurance Coverage Assessment

Risk management is an absolutely crucial tool for ensuring you and your family are protected should anything unexpected happen. Some risks can be managed with insurance, while others require more creativity. But we can assist you in finding a sound strategy either way.