Premium Financial Life Planning
An all-inclusive wealth experience created by and for professional women.
You deserve a life of joy, purpose, and fulfillment, so how can you get there? Our high-touch, holistic wealth model helps you re-imagine what’s possible for your life and how your money can help you achieve the things that were once your wildest dreams. At Pearl Financial Planning, we craft an unparalleled level of service that gives you the security, confidence, and excitement to live your ideal life every day.
All-Inclusive, All the Time
Your money and your life connect in powerful ways. With holistic financial life planning, we use your goals and values to make those connections meaningful, weaving them together to help you create a fulfilling life. Take a look at all the elements that comprise a truly comprehensive plan.
Cash Flow Planning and Saving
How can you make your saving and spending more purposeful? We help you build a cash flow and savings plan that considers what’s most important to you and ensures that your money supports the larger vision for your life, which may include shoring up an emergency fund, determining how much you should save and where to save it, and growing your savings to meet your goals.
In-House Investment Management
Women are incredible investors, and we collaborate with you to create a comprehensive investment plan centered around your goals for the future. We consider your entire investment portfolio: 401(k)s and workplace retirement plans, IRAs, brokerage accounts, and more—because each account plays a significant role in defining your future. We’ll look at your risk preferences, unique goals, and timeline to reach them to help you build wealth.
Retirement Planning
Every phase of your life should be vibrant, joyful, and fulfilling. We help you prepare to make work optional so that when you’re ready to step away from your current position, you can do so with confidence and vision for your next step. You’ll receive custom projections and recommendations to help you retire comfortably and energized by what’s to come.
Tax Planning
Tax planning is a year-round process that helps keep more money working for you in the long run. We’ll evaluate your opportunities for tax-efficient investments and financial decisions that keep you on track to reach your goals.
Estate Planning
Your legacy is rich with significance and deserves the same level of care and attention as any other phase of your life. Perhaps you’re interested in starting a scholarship fund or donating some of your estate to local charities that have shaped your life. We can help you consider what you want and review your documents to see if they reflect your wishes. As I’m not an estate planning attorney, I can’t draw the paperwork, but I can check that the documents tell the story you want.
Insurance Review
Building wealth is critical, and it’s equally essential to protect your assets. As a fiduciary, I don’t sell insurance; what I do offers so much more. I’ll conduct an objective review and provide in-depth analysis and recommendations to secure your wealth as you grow. Together, we’ll look at your insurance policies and determine if they are a good fit for your needs. I may also be able to identify holes in your coverage or help you find more appropriate policies.
How Does The Holistic Life Planning Process Work?
You—your life, goals, values, hopes, ambitions, and dreams—are the centerpiece of our engagement. As a Professional Registered Life Planner™, I have the tools to help you put your dreams into action.
A pivotal part of our work together is helping you craft your vision for a fulfilled and meaningful life and empowering you to use your resources so you can live it. That’s why, before we bring in numbers, I get to know you and build a relationship of trust. Here, some of the deepest and most transformational work occurs—you give air to your ideal life. Once this vision is clear, we work together to create a plan that aligns the personal with the financial, so they seamlessly connect, enrich, and enliven each other.
I’m committed to providing you with a high-touch, premium experience and creating a comfortable place where you’re accepted for your entire self. Your financial plan is fluid and built to change along with you, which is why my door is always open. Life planning is intensive, inspirational, and potentially life-changing work, and I look forward to guiding you along this incredible journey.
What Are The Fees For This Service?
There is no “asset minimum” to work with me. It’s important to me that my services be accessible to a range of clients. Every woman I serve has unique needs, goals, and desires for her life. Therefore, I charge a flat fee of $4,000 per year ($5,000 for couples), plus a small fee of 0.5% for managing investments.
Given the holistic and tailored nature of my services, I often bring the most value to women in their 40s who are established in their careers, earning six figures, and ready to seek help from an experienced and passionate professional. Learn more about the type of people I serve best from the case studies below.
I’m dedicated to creating a true financial partnership and building lasting relationships with a foundation of trust and transparency. As a fee-only, fiduciary firm, we don’t receive any commissions and are legally obligated to put your best interests first—and we wouldn’t operate any other way.
Who We Serve Best
Fictionalized case studies of the dynamic women we love to serve
Sarah Ann Mitchel
A marketing executive with entrepreneurial ambitions.
Amber Sparks
A career changer
Elizabeth Kline
A seasoned professional ready to make work optional
Sarah Ann Mitchel
A marketing executive with entrepreneurial ambitions.
Sarah Ann is a trailblazer. She’s put in long hours, late nights, brilliant ideas, and immense dedication to lead the marketing division of a big five tech company. But with all of her professional experience and accolades, at 43, Sarah Ann finds herself less and less fulfilled the higher she climbs up the corporate ladder. Instead of fact sheets and projections, she dreams of opening her own consulting firm to mentor small female-run businesses to build scalable, sustainable, and most of all, fulfilling careers. She worries about leaving the stability of her current job and wants to ensure she has enough saved and invested in the right places before striking out on her own. Sarah Ann desires a trusted financial partner to guide and empower her to live her dream and start her own business.
Amber Sparks
A career changer
Amber didn’t exactly choose her career path; she fell into it. After graduating with a master’s degree in public health, she received a lucrative job offer in hospital administration, but that’s not where her passion truly lies. She lights up for environmental health and its impact on the planet and the things that inhabit it. Amber would like to pivot into a sustainability role that helps companies make environmentally equitable choices. After training, certifications, and other experiences, Amber just turned 40 and is ready to make a career change, but she wants to ensure that doing so will keep her on track to reach her goals. She is looking for a financial advisor to help her navigate the many financial and emotional challenges of changing careers and provide the clarity she needs to walk into the future with both eyes wide open: curious, prepared, and excited.
Elizabeth Kline
A seasoned professional ready to make work optional
Elizabeth Kline—or “Liz” to those in her circle—has crafted a prosperous career and satisfying social life. She rose through the ranks and is now the editorial director at a University Press. Liz and her partner often host family and friends and love to travel, exploring new places and cultures as often as they can. Over the years, they’ve piecemealed a financial plan—saving and investing here and there—but as they reach the peak of their careers, they realize that they want to make work optional and focus on the things that bring immense joy and meaning to their lives. After turning 47, Liz realizes that she would like to travel more, opening up her worldview. She also wants to dedicate more time to her hobbies and get more involved in her community. She’s ready to make work optional and shift the way she looks at her money—not only as a source of income but as a springboard for imagination and possibilities. She needs a financial partner to help her create a plan that helps her make these dreams a reality.
Financial wellness, joy, and fulfillment come from the confidence to use your money in ways that encourage you to live your most ideal life.
Please take a few moments to fill out this short profile to make our meeting as productive as possible. After reviewing your information, we’ll get back to you in a few days via email to schedule your free consultation at a time that’s convenient for you. You may choose video conference or phone call at the time of scheduling.
I look forward to talking soon.