Stand-Alone Financial Planning
Providing clear, transparent, personalized, fiduciary advice that aligns your financial resources with your short- and long-term life goals and personal values.
Financial Planning, Fiduciary Trust—Working Side by Side
Equila’s Stand-Alone Financial Planning service is designed to provide you with a clear, objective roadmap for your financial life. As a fiduciary, Ann is legally and ethically bound to put your best interests first, ensuring that every recommendation serves your goals, not hers, and you receive focused, trustworthy guidance tailored to your objectives, timeline, and unique circumstances. You can engage Equila for Stand-Alone Financial Planning whether you have investment assets or not, or as a way of getting to know us if you might be interested in having us help you with your investments in the future.
For clients who also want ongoing investment management and a deeper level of support, the same level of comprehensive Financial Planning is included in our Full-Service Wealth Management offering, ensuring every aspect of your financial life is aligned and working together.
- Flat planning fee based on the complexity of your finances and the concerns you would like to address, documented in a proposal that provides clarity on the scope of the plan and the value you are receiving.
- Objective, unbiased guidance and advice based solely on your needs, free from commission-based incentives and backed by a fiduciary duty to act in your best interest.
- Actionable roadmaps provide detailed, step-by-step plans to move you from where you are now to where you want to be.
Putting the Pieces Together
No part of your financial life stands completely alone. If you have extra funds to save, should you put them towards retirement, or your children’s education? Would paying more taxes this year save you a much larger amount in the future? Do you need long-term care insurance, or can you save to cover potential costs?
When you choose Equila’s Stand-Alone Financial Planning service, you get a truly holistic analysis of your current financial situation and an integrated approach to building the future you want. Our comprehensive plan covers all areas of your financial life, as well as any unique situations or concerns you may have.
Goal Planning & Investment Strategies
Align your investments with your goals through tailored strategies that put your money to work—helping you and your family create the future you envision.
Cash Flow & Debt Management
Track your income and expenses with clarity while building smart debt-management practices, so your financial foundation supports today’s needs and tomorrow’s goals.
Tax Planning
Design proactive, tax-aware strategies to minimize your lifetime tax burden—helping you keep more of what you earn and invest it purposefully.
Risk Management & Insurance
Prepare for life’s uncertainties by identifying and mitigating risks to protect your progress so setbacks don’t derail your long-term plan.
Estate Planning
Be ready for both expected and unexpected life transitions with thoughtful estate strategies that preserve your wishes and protect those who matter most.
Special Concerns
Plan for special situations, like a job change or early retirement, saving for a special needs child, or taking care of an elderly relative.
Clarity, Connection, and a Plan That Works for You
Because we can’t help you until we know you, Ann provides financial planning to all her clients. We start with a clear picture of your current financial situation: where your money is going, how your assets are invested, and what financial concerns you have. Then we explore your vision of the future you want for yourself and your family, getting specific about the role money will play. Together, we review possible strategies to get you where you want to be, as well as ways to protect your progress from unexpected negative events. The result is a plan with specific, prioritized next steps, one that you feel comfortable with because it aligns with your values and lifestyle.
If all you need is that blueprint, you can do this with our Stand-Alone Financial Planning engagement, no need for us to manage your investments. You take the next steps on your own, with the option to come back for check-ins or plan updates, on a regular or as-needed basis.
If you’d like a deeper, longer-term relationship with Equila, our Full-Service Wealth Management engagement includes ongoing financial planning along with investment management. We take care of all the details, such as account paperwork, while also developing and maintaining your personalized portfolio, integrated with your financial plan. We keep you on track over the year with respect to tax strategies and financial deadlines, so you can relax, knowing someone is watching over your finances. We look to become your long-term financial partner, there to answer questions and provide advice, taking care of your money while you live your life.
Planning Scope and Client Concerns
We begin by learning what matters most to you - your values and priorities, and what money questions you want answered, working together to identify the planning goals we should address. Ann will also clarify any constraints you might have in your financial situation, so the final plan will be one you are completely comfortable with.
Analysis & Advice
Ann will review the relevant financial documentation you provide to develop a clear picture of your current financial situation and analyze whether you are on track to reach your goals. If adjustments are needed, she will compare different strategies and make recommendations for your review, comparing different scenarios that might play out in your future.
Final Plan & Action List
Together we select the strategies you feel most comfortable with, creating your integrated baseline plan that provides clear paths towards your goals and a prioritized list of next steps. We will deliver documentation of the final plan either electronically or in hardcopy, and may also provide access to the planning software.
Ongoing Guidance
Life changes, markets shift, and goals evolve. That’s why we have options to continue the planning engagement once the initial plan has been developed—offering ongoing support, plan updates, and proactive advice to help you adapt to new opportunities and challenges as they arise.
A Plan Designed Around You
No matter where you are on your financial journey, we’re here to listen, analyze, and help you take the next steps with confidence. Together, we can transform your goals into a personalized financial plan that aligns with your life.
Stand-Alone Planning Meets Long-Term Wealth Management
Stand-Alone Financial Planning gives you the freedom to access Ann’s advice and have her manage your investments. Whether you need a one-time, integrated plan or ongoing guidance, we’ll focus on building a strategy that aligns with your lifestyle, goals, and values
If you would like help with your investments as part of a more integrated, long-term relationship, our Full-Service Wealth Management combines financial planning with ongoing investment management, creating a streamlined approach for every aspect of your financial life.
Full Service Wealth Management
Explore how our Full-Service Wealth Management can provide continuous support, proactive planning, and investment oversight—all tailored to your evolving needs.
Financial Planning Insights
Through her “Ann-splaining” blog, Ann shares practical perspectives on building a financial plan that truly fits your life.
Get In Touch
Want to know more? We offer a free, no obligation, “Get Acquainted” meeting to share what you are looking for and what I do to see if there’s a match. Contact us by phone or email, and tell us more about yourself and your financial concerns, and we will get back to you!