We charge 1% on assets under management, billed quarterly. That covers both financial planning and managing your investments. We're fiduciaries, which means we're required to put your interests first. We will never sell you a product or collect a commission.

Do I have enough money to become a client?

We work with people in all stages of their financial life. Most of the people we serve have at least $300,000 in investable assets and are ready to delegate. We ask to manage all available investment assets. We can only give you complete advice when we can see the whole picture, so that's how we're able to coordinate your investments with your taxes, your income, and everything else in your plan. For those relationships, we charge on assets under management (AUM). When an AUM fee isn't available (business owners, or people with advanced planning needs whose wealth isn't sitting in investment accounts) we work from a flat fee instead, outlined in a separate agreement that reflects the scope of the work. More than any of that, what matters most is your willingness to fully participate in the financial planning process, including regular updates and data gathering. The plan only works if we're building it with current information.

What can I expect if we work together?

We want to be the last financial advisor you ever hire. That only happens if we're right for each other, so we spend time up front making sure we are. It starts with an introductory conversation about where you are and what you're trying to do. From there we move into Discovery, where we get to know each other in more detail and both decide whether this is a fit. Once we mutually agree to move forward, you can expect a couple data-gathering meetings while we build out the full picture of your finances. After that, we meet regularly to work through planning topics, help you implement recommendations, review your investments, and talk through the life changes that affect your plan.

What services do you offer?

Retirement planning, tax planning, investment management, saving for college, company stock and equity compensation, planning for business owners (including getting ready to sell), charitable giving, and coordinating with your CPA and estate attorney. If it touches your money, it's fair game.

You didn't get here by accident.

Maxed out 401(k). Equity comp vested. Your business is worth something now.

By most measures, you're doing exactly what you're supposed to be doing.

Here's the thing nobody tells you: making the money and managing it well are two completely different skills. Most people are only ever taught the first one. The actual plan, the follow-through, the person who makes sure the advice doesn't just sit in an inbox, that's the part that's usually missing.

That's the part we do.

Here's what planning looks like in practice.

Not a one-time review. Not a folder of recommendations you'll get to eventually.

A plan that gets built, gets followed, and gets adjusted as your life changes (because it will).

Net worth

$3,275,662

+$181,104 (+6.15%) YTD return

1M3MYTD1YALL

Scenarios modeled

4 tested

Cash reserves

-3 years

Sell business

+$4.2M

Buy a home

-$180K cash

Gifting

$50K/yr

Retirement

Age 65

On track

Education

In 10 years

Liquidity

3–6 months

Legacy

For family

The above is illustrative of Plan Wellth’s process and does not represent any client specific returns, plans, or expectations. Individual plans will have varying levels of complexity, and performance or plan outcomes is not guaranteed.

If any of these sound like you, you're in the right place.

"I think we're fine, but I don't actually know."

You're a good saver. High earner, solid balances. But you don't have a real way to confirm you're actually on the right trajectory — just a feeling, not an answer.

"I've got money piling up and no plan for it."

Cash is sitting idle. Your 401(k)'s maxed. You don't have a clear next-dollar decision — just a nagging sense you're leaving something on the table, probably taxes.

"I'm paying more in taxes than I should be."

You're filing reactively instead of planning proactively. Roth conversion windows, capital gains timing, direct indexing, charitable strategy, equity comp — the moves exist. You just haven't made them yet.

"Can I retire, and will the income actually work?"

Shifting from accumulating to spending is the most stressful transition there is. You want someone to actually show you how to make it work, not just hand you a number.

"I want one person who sees the whole thing."

Your accounts are scattered across multiple custodians, maybe different advisors. An old 401(k) sits untouched. Your CPA doesn't talk to anyone. You want a single point of coordination.

"Something changed."

A business sale. An inheritance. A job change. A concentrated stock position. Complexity arrived fast, and you want someone who's done this before — not someone figuring it out alongside you.

The PlanWellth Process

A quick breakdown of what it looks like to work together

1) Discovery

Start with a short, no-obligation conversation to get to know you and find out whether we are a good fit. The Discovery phase can take multiple meetings to get organized and understand deeply “where are you now and where do you want to go”.

Fiddle leaf fig plant in a beige pot casting a clear shadow on a white wall with sunlight streaming in.

2) Your Financial Plan

We review all major areas of your financial life to take a look at your current state and recommendations to accomplish what’s most important to YOU! This is where we answer the deep-seated questions that came up in the Discovery Meetings. Can we retire? Will my family be okay if something happens to me? Can we pay for college?

Close-up view of stacked wooden slices showing natural tree rings and bark edges.

3) Get It Done

Advice is worth nothing if it is not fully executed. We are your accountability partner to get things done after we present your planning recommendations.

A variety of green indoor plants with large leaves arranged against a white wall with soft shadows.

4) Repeat

Life never stays the same for long. We are here for when life changes. We will meet regularly and update our advice as your situation and goals change.

Three cyclists wearing helmets and colorful jackets ride on a paved road surrounded by tall pine trees and grassy edges under a clear sky.

Live well now. Plan well for later.

You didn't get here by accident.

Here's what planning looks like in practice.

Scenarios modeled

How We're Different

Ryan Garland, CFP®

If any of these sound like you, you're in the right place.

Commonly Asked Questions

The PlanWellth Process