FINANCIAL PLANNING SERVICES THAT WORK FOR REAL LIFE
Feel Good About Your Finances
Work with a flat-fee financial planner who watches over every part of your financial life — from cash flow to investments to taxes — so your money fuels the life you want, not the other way around.
You Are More Than Your Numbers
Financial Planning for Humans, Not Spreadsheets
Here's the thing most financial advisors get wrong: they treat money like it exists in some emotion-free, generic vacuum. But if you're a highly sensitive entrepreneur, ambitious misfit, or anyone who's ever had money anxiety, you know that's complete BS.
Your feelings about money aren't the problem, they're the fuel. And once we work with them instead of against them, everything shifts.
We give you a financial plan that doesn't just look good on paper, it actually works for your real, beautifully chaotic life.
We're flat-fee financial planners, fiercely independent, and 100% transparent. No hidden costs, no asset minimums, no commission pushing. Just clear planning that helps your money support the life you actually want.
At Liberated Financial, we combine:
Sharp, data-driven strategy (because the numbers matter)
Emotional intelligence and Trauma-Informed Care (because YOU matter)
Ongoing coaching and support (not once-a-year abandonment)
HOW LIBERATED WORKS
Our Process: Organize. Align. Optimize.
We’re not your typical “once-a-year” financial advisor. Our process is proactive, supportive, and transparent — no mystery spreadsheets or jargon.
Organize
First, we organize your entire financial life so everything is clear and in one place. We start by organizing who you are as a human, clarifying your values and dreams. Then we get into the nitty gritty of your numbers to make it all make sense.
Align
Next, we align your money with your values and goals — and build the strategic roadmap to get you from where you are today to where you want to be. This is also where behavioral coaching comes in: making sure your plan feels doable and motivating, not overwhelming.
Optimize
Finally, we continually optimize your strategies so your finances run smoothly and support the life you actually want to live. Your life will evolve and the rules will keep changing. Our process is designed to ensure your plan is always up to date and proactive.
What We Offer To Everyone
We deliver a comprehensive view of your finances, aligning every moving part with your values and long-term vision — and translating it all into a clear, actionable strategy. From daily cash flow to legacy planning, we connect the dots so every decision supports your bigger picture and moves you toward the freedom you’re working for. Here’s what we’ll cover:
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Understand the “why” behind your money habits. We’ll explore your history with money, identify patterns, and create simple, practical shifts so your financial decisions feel intentional, healthy, and aligned with your life.
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Get clear on what matters most. We’ll identify your top values and major life goals — from retirement to college planning to travel dreams — and build a plan that makes them possible. You’ll see how your money can support your vision, with realistic timelines and alternative paths when needed.
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Know where your money’s going — and feel good about it. We’ll review your income and expenses to find opportunities, fix leaks, and align your spending with your values and goals. You’ll also get our custom expense tracker to make it easy. (Most advisors barely touch this; we make it a cornerstone of your plan so you can actually make things happen!)
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Simplify your money systems. We’ll help you organize accounts, set up efficient banking structures, and make it easier to manage (and enjoy) your money.
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Build savings and tackle debt with confidence. We’ll determine the right cash reserves for emergencies and goals, organize all debts, and offer strategies for repayment, refinancing, or restructuring in balance with the whole picture.
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Keep your investments in sync with your comfort level. We’ll review your risk tolerance annually and adjust your portfolio as needed so it matches both your goals and your peace of mind.
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Grow your wealth with a strategy built for you. We’ll guide you on account types, asset allocation & location, diversification, rebalancing, and tax-smart investing — all aligned with your goals, time horizon, and risk tolerance. We can also help you navigate and optimize inherited investments so they fit seamlessly into your broader plan.
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See what’s possible — and plan for it. Every six months, we’ll run multiple scenarios and stress-test your plan so you know you’re on track for your version of retirement and other long-term goals.
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Protect what matters most. Each year, we’ll review all your insurance policies — health, life, disability, property, and more — and recommend changes or additions to close any gaps. We can also help implement life, disability, and long-term care coverage if needed.
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Pay what you owe — and not a penny more. We’ll identify tax-efficient strategies, from charitable giving to smart account placement, and coordinate with your CPA to keep your plan optimized and aligned each year.
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Create a legacy that reflects your values. We’ll review wills, trusts, and key documents, streamline wealth transfers and reduce taxes. Together, we can explore creative giving — from charitable trusts to impact investing — and guide you through inherited assets so they’re managed wisely and with intention.
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Make the most of your company stock. We’ll help you plan purchases, sales, and diversification — with an eye on tax efficiency and risk management.
Are You A Business Owner?
When you run a business, your personal and professional finances are deeply connected. We go beyond traditional advising by reviewing your business financials in the context of your personal plan, like a high-level fractional CFO, making sure every decision in one supports your long-term goals in the other — so both move together toward your bigger vision. (By the way, you can deduct this expense!)
Here’s what that can look like:
Ongoing review of key business fundamentals and reports to optimize cash flow (i.e. P&Ls, balance sheets, profit margins, operating efficiency)
Customized cash flow, income, insurance, retirement, and estate planning for business owners
Succession and exit planning that’s fully aligned with your personal financial goals and vision for legacy
High-level business coaching and strategic guidance
How We Can Work Together
Whether you want a full roadmap, strategic investment management, or focused one-on-one guidance, we’ll meet you where you are — and make sure you have the support you need.
Comprehensive Financial Planning
Our signature flat-fee service. Personalized, values-aligned planning that integrates every part of your financial life — including your business if you have one. We take the time to understand who you are, not just what’s in your accounts, and create a clear, actionable plan that grows and evolves with you.
Investment:
Non-business owners: Starts at $8,000/yr*
Business owners: Starts at $10,000/yr*
Asset Management
Steady, strategic investment management to keep your portfolio in sync with your goals, values, and evolving life. Here’s our investment philosophy: keep it simple. This means low cost, low tax, low complexity. Broad diversification, buy-and-hold with defensive tilts, plus smart tax-loss harvesting. Always tailored to your goals, timeline, and values. No minimums required.
Investment:
Standalone asset management: Starts at 1.25%/yr
Flat-fee planning clients: discounted rates starting at 0.55%/yr
Once assets under management reach $1M, clients may choose to have their assets pay all fees (starting at 1.25%, decreasing with scale).
Hourly Fiduciary Consultation & Coaching
A flexible option for specific questions, a second opinion, or trauma-informed coaching around your relationship with money. Ideal for targeted guidance without a long-term engagement — accessible, on-demand, and tailored to your needs.
Investment:
We offer hourly fiduciary consultations and project-based work at $200/hr. This flexible option lets you get targeted guidance without committing to an ongoing engagement.
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Not much! Because we charge flat-fees, you don’t need assets to get started — our job is to help you grow them. What matters is that your cash flow supports the annual fee: $8,000+ for non-business owners and $10,000+ for business owners.
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No. We manage portfolios of any size. As your assets grow, additional services become available
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Yes. Liberated Financial is a Registered Investment Advisor, and all advisors hold their Series 65 license. That means we’re legally and ethically bound to put your best interest first.
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We custody our investments through Altruist. Learn more about them here.
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Keep it simple: low cost, low tax, low complexity. Broad diversification, buy-and-hold with defensive tilts, plus smart tax-loss harvesting. Always tailored to your goals, timeline, and values.
FAQs
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Mainly through flat-fee planning. We also charge a percentage on managed assets, with discounts for planning clients. Very occasionally, we write insurance policies (50% of commissions donated to charity), and those commissions are always disclosed up front.
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Your fee is determined up front based on the size and complexity of your investment and financial picture. You’ll always know what you’re paying and what you’re getting. Annual fees (billed quarterly) range $8k–$12k/yr for non-business owners and $10k–$14k/yr for business owners. Fees adjust gradually as complexity grows, with full transparency.
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Yes, if you have $1M+ in managed assets with us starting at 1.25% annually.
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Yes, at $200/hr for project-based needs.
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No. While we prefer at least 1-2 years together to build momentum and progress, you’re free to leave at any time. We appreciate advanced notice.
What Our Clients Are Saying
*Testimonials provided by current Liberated Financial clients, unless otherwise noted. No compensation was paid for testimonials.
Let’s Redefine What Money Can Do for You
You deserve a financial plan that feels safe, empowering, and aligned with your life. If you’re ready to make a change, we’ll walk the path together — with warmth, transparency, and zero judgment.