Comprehensive Financial Planning
At illumiFI Wealth, we believe financial planning should be about more than numbers. It’s about connecting money with values, creating clarity today, and building confidence for tomorrow. We don’t just give advice — we walk alongside you, adjusting your plan as your life and goals evolve.
Many firms talk about “comprehensive planning,” but too often it’s a checklist of topics rather than a connected strategy. We take a different approach. By weaving together behavioral science with traditional finance, we help ensure your financial plan reflects all of who you are — your values, goals, priorities, family, vision, and more.
Our process is collaborative. We listen deeply, simplify complexity, and create “lightbulb moments” where you not only know what to do with your money, but also why. The result is a plan that adapts as your life evolves and empowers you to make confident decisions through every stage of life.
What’s Included in Comprehensive Planning?
The guidance we provide is tailored to each client, but often includes:
Cash Flow & Savings Strategies – Create a saving & spending plan that balances today’s lifestyle with tomorrow’s goals.
Student Loan & Debt Management – Optimize repayment, forgiveness, or refinancing strategies to free up cash flow and reduce stress.
Tax Planning – Help reduce your lifetime tax bill so you keep more of your resources for what matters most.
Investment Management – Align your portfolio with your goals, values, and risk tolerance.
Risk & Insurance Review – Ensure your family and lifestyle are protected from the unexpected.
Retirement Planning – Map out your independence timeline and create tax-efficient drawdown strategies.
Charitable Planning - Help you give generously and most tax-efficiently to the organizations/causes that you care most about.
Estate & Legacy Planning – Review wills, trusts, and charitable giving strategies so your wealth reflects your values and wishes.
Business & Career Planning – Guidance for benefits, equity compensation, or entrepreneurial ventures.
Tools & Ongoing Support
Planning Software – Access tools that help you see where you are today, explore future scenarios, and measure progress.
Annual Recommendations – Receive personalized, written action steps each year to keep you on track.
Ongoing Partnership – Your life will change — and your plan should too. We’ll adjust strategies along the way so your finances always reflect your goals.
Fee Structure
Clients pay an ongoing financial planning fee that ranges between $100-$500 per month depending on complexity of their situation. This structure keeps our advice transparent, objective, and always aligned with your best interests.
