By providing an hourly planning rate this permits clients to keep their accounts and investments at their current location e.g. savings accounts at the bank, mutual funds online, and 401k at current/old employer. You can keep your accounts just as they are, invested just as they are but still have a financial plan and framework to ensure your goals will be met and to course correct when needed. We recommend a initial financial plan set-up (3-6 hours) if you don’t currently have a financial plan, and then a revisit update everything 24-36 months assuming no major changes. If you’re a growing family or have kids leaving the nest, or experience a family loss then certainly the plan would need to be revisited sooner. We charge $275 an hour for our planning services.