Real financial planning made accessible to you.
At Primeros Financial, we understand that everyone’s financial journey looks different. That’s why we offer two ways to work together, depending on the level of support you’re looking for:
Ongoing, Comprehensive Financial Planning: A long-term planning relationship designed for continuous guidance, accountability, and support as your life and finances evolve.
One-time Financial Clarity Engagement: A focused, flat-fee option for DIY’ers who want a clear roadmap and expert insight they can implement independently, without ongoing commitment.
Both options are rooted in our belief that clarity is the foundation for using money as a tool to live life by design.
Explore each service below to determine which approach best aligns with your needs and goals.
The Ongoing Planning Process
This service is designed for clients seeking an ongoing, long-term financial planning relationship.
Because no two situations are the same, our process and recommendations are tailored to your unique circumstances, and evolve as your life changes.
Vision
Before making recommendations, we start by understanding you, and what you’re working toward. This helps us design a financial plan that feels aligned with your life, not just your numbers.
In this stage, we focus on:
Clarifying your values and long-term vision
Exploring your relationship with money
Defining what a meaningful, well-designed life looks like for you
Establishing the Foundation
Financial wellbeing isn’t just about earning more, it’s about building control and stability. This stage is about creating systems that support intentional spending and aligning it with what you value.
In this stage, we’ll:
Review your spending through a values-based lens
Set up an account structure
Map cash flow and review credit
Purposeful Protection
Once your foundation is in place, we focus on protecting what you’ve built. This stage covers insurance, estate planning, and benefits review to help create peace of mind for you and your loved ones, so you can protect what you’ve built and stay aligned with your values.
In this stage, we focus on:
Insurance review to help protect income, assets, and loved ones
Workplace benefits evaluation
Estate planning basics and beneficiary alignment
Building Wealth
With your foundation and protection in place, we shift our focus toward growth. This stage entails long-term planning so you can work toward your goals and saving for your future self.
In this stage, we focus on:
Investment strategy aligned with your goals and risk comfort
Tax-aware planning to support long-term growth
Retirement planning and future income planning
Planning with Purpose
We begin with a three-month meeting after the Building Wealth meeting, then transition into meeting three times a year to keep your plan aligned as life evolves.
Common topics:
Benefits enrollment and tax planning touchpoints
Progress reviews and course adjustments
Money mindset check-ins
*Unlimited email and phone support is included, along with the ability to schedule additional meetings as needed.
Ongoing Financial Planning - Fees
Annual Fee: Starts at $2,400 - $6,600 per year. Your specific fee depends on the complexity of your financial situation. We’ll always confirm your exact fee before you commit, so you’ll know exactly what to expect.
The annual fee is billed on a monthly basis i.e., $2,400 would be billed at $200 per month
The first $500,000 of your investment portfolio is included in the financial planning fee. Any investment balance that exceeds $500,000 is billed at an additional rate of 0.6% per year.
One-Time Financial Clarity Plan
A focused alternative for those who want expert guidance, without ongoing commitment.
The Financial Clarity Plan is a one-time engagement designed for DIY’ers and first-generation professionals who want a clear understanding of their financial picture and a practical roadmap they can implement independently.
While this is a one-time engagement, it provides a holistic review of your entire financial picture, so you can make informed decisions across all areas of your finances.
Discovery & Data Review
(90-minute meting)
We start by gathering and reviewing your financial information to ensure everything is accurate and understand your goals.
Recommendations & Action Plan
(90-minute meeting)
You’ll receive personalized recommendations, often presented through a high-level SWOT analysis, designed to give you clarity and direction across your entire financial picture.
These recommendations are paired with clear, actionable next steps, so you know exactly what to prioritize, what to implement, and what decisions to revisit over time.
Implement
Clarification
(30-minute meeting)
After reviewing your plan, we’ll meet one final time to answer questions, clarify priorities, and help you confidently move forward on your own.
Your Financial Clarity Plan may cover:
Cash flow and savings
Debt and student loans
Insurance and protection planning
Employer benefits and retirement accounts
Investments and long-term goals
One-Time Financial Clarity Plan Fee:
One-Time Flat Fee: $1,000–$3,000, depending on the complexity of your financial situation. Your exact fee will always be confirmed before moving forward.
The first half of the fee will be paid at signing the client agreement and the second half upon delivery of the recommendation report.
Ongoing Financial Planning FAQs
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People who want continuous guidance, accountability, and someone in their corner as their finances and life evolve.
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Life doesn’t always follow a calendar! If something comes up before our next scheduled meeting, you don’t have to wait. You’ll always have the ability to reach out, and we can schedule additional time as needed. My role as your financial planner is to provide ongoing financial support when you need it most, not just during set check-ins.
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If something urgent comes up, we’ll pause the structured onboarding flow to address your immediate need first. The process is designed to be flexible because your peace of mind and financial wellbeing come first. Once we handle the priority, we’ll continue with the onboarding meetings so you don’t lose momentum.
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During the onboarding process, we’ll meet more frequently to build momentum and establish your financial foundation. After onboarding, we’ll meet again for a check-in three months later, and then move into a steady rhythm of three meetings per year. These sessions are intentional touchpoints to review your progress, revisit your goals, and make sure your financial plan reflects your values, money mindset, and current season of life. This ongoing rhythm provides accountability while giving you flexibility.
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Not at all. Many clients come in feeling overwhelmed, unsure, or like they don’t have it “all together.” That’s completely normal. This process is designed to give you clarity, structure, and confidence at any stage of life. I’ll meet you exactly where you are, whether you’re just starting to build a foundation, navigating career growth, paying down debt, or planning for family.
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Perfect. you’re in the right place. A big part of my mission is working with first-generation professionals and wealth builders who may not have had access to financial planning before. I’ll walk you through the process step by step, avoid jargon, and make sure you feel comfortable along the way. Financial planning isn’t just for the ultra-wealthy, it’s about helping you gain stability, confidence, and purpose with your money so you can live life by design.
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No. Many firms require high asset minimums to engage, but our mission is to make financial planning accessible. That’s why I don’t impose account minimums, planning should be available to everyone, not just the ultra-wealthy.
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Life changes, and so can your planning needs. If your situation becomes more complex, we’ll revisit the fee structure together and adjust upward if needed. On the other hand, if things become less complex, we’ll also adjust your fee down. The goal is to keep it fair, transparent, and aligned with the level of work required.
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Yes, the fee is ongoing because financial planning isn’t just about the meetings. A lot of the work happens behind the scenes: updating your plan, reviewing changes in tax law, monitoring your progress, and preparing recommendations so our time together is productive and personalized. The fee is annual but billed monthly for flexibility, making it more accessible. Meetings are designed to keep you accountable and moving forward, but if you ever need extra support between them, you can always reach out and we’ll adjust.
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We don’t hand you a 50-page report that collects dust. Instead, I provide clear visuals and actionable financial advice so you can actually implement the recommendations we discuss. The goal isn’t to overwhelm you with length, it’s to make concepts simple to understand and give you a plan you can confidently put into practice.
Financial Clarity Plan FAQs
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The Financial Clarity Plan is best for individuals or couples who want clarity and want to gain confidence that they’re on the right track, without needing long-term, ongoing support.
This option is best for individuals are comfortable with implementing recommendations on their own.
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Yes. While it’s a one-time engagement, the Financial Clarity Plan provides a holistic review of your finances, including cash flow, debt, insurance, retirement, investments, and goal alignment.
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This service is designed for DIY’ers. You’ll receive clear, actionable steps, but implementation is completed independently.
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Yes. Clients who decide they want ongoing support may apply a portion of their Financial Clarity Plan fee toward an ongoing planning engagement within a limited time frame. Each situation will be evaluated independently.