Premium Financial Life Planning

An all-inclusive wealth experience created by and for professional women.

You deserve a life of joy, purpose, and fulfillment, so how can you get there? Our high-touch, holistic wealth model helps you re-imagine what’s possible for your life and how your money can help you achieve the things that were once your wildest dreams. At Pearl Financial Planning, we craft an unparalleled level of service that gives you the security, confidence, and excitement to live your ideal life every day.

All-Inclusive, All the Time

Your money and your life connect in powerful ways. With holistic financial life planning, we use your goals and values to make those connections meaningful, weaving them together to help you create a fulfilling life. Take a look at all the elements that comprise a truly comprehensive plan.

Cash Flow Planning and Saving

How can you make your saving and spending more purposeful? We help you build a cash flow and savings plan that considers what’s most important to you and ensures that your money supports the larger vision for your life, which may include shoring up an emergency fund, determining how much you should save and where to save it, and growing your savings to meet your goals.

In-House Investment Management

Women are incredible investors, and we collaborate with you to create a comprehensive investment plan centered around your goals for the future. We consider your entire investment portfolio: 401(k)s and workplace retirement plans, IRAs, brokerage accounts, and more—because each account plays a significant role in defining your future. We’ll look at your risk preferences, unique goals, and timeline to reach them to help you build wealth.

Retirement Planning

Every phase of your life should be vibrant, joyful, and fulfilling. We help you prepare to make work optional so that when you’re ready to step away from your current position, you can do so with confidence and vision for your next step. You’ll receive custom projections and recommendations to help you retire comfortably and energized by what’s to come.

Tax Planning

Tax planning is a year-round process that helps keep more money working for you in the long run. We’ll evaluate your opportunities for tax-efficient investments and financial decisions that keep you on track to reach your goals.

Estate Planning

Your legacy is rich with significance and deserves the same level of care and attention as any other phase of your life. Perhaps you’re interested in starting a scholarship fund or donating some of your estate to local charities that have shaped your life. We can help you consider what you want and review your documents to see if they reflect your wishes. As I’m not an estate planning attorney, I can’t draw the paperwork, but I can check that the documents tell the story you want.

Insurance Review

Building wealth is critical, and it’s equally essential to protect your assets. As a fiduciary, I don’t sell insurance; what I do offers so much more. I’ll conduct an objective review and provide in-depth analysis and recommendations to secure your wealth as you grow. Together, we’ll look at your insurance policies and determine if they are a good fit for your needs. I may also be able to identify holes in your coverage or help you find more appropriate policies.

How Does The Holistic Life Planning Process Work?

You—your life, goals, values, hopes, ambitions, and dreams—are the centerpiece of our engagement. As a Professional Registered Life Planner™, I have the tools to help you put your dreams into action.

A pivotal part of our work together is helping you craft your vision for a fulfilled and meaningful life and empowering you to use your resources so you can live it. That’s why, before we bring in numbers, I get to know you and build a relationship of trust. Here, some of the deepest and most transformational work occurs—you give air to your ideal life. Once this vision is clear, we work together to create a plan that aligns the personal with the financial, so they seamlessly connect, enrich, and enliven each other.

I’m committed to providing you with a high-touch, premium experience and creating a comfortable place where you’re accepted for your entire self. Your financial plan is fluid and built to change along with you, which is why my door is always open. Life planning is intensive, inspirational, and potentially life-changing work, and I look forward to guiding you along this incredible journey.

What Are The Fees For This Service?

There is no “asset minimum” to work with me. It’s important to me that my services be accessible to a range of clients. Every woman I serve has unique needs, goals, and desires for her life. Therefore, I charge a flat fee of $4,000 per year ($5,000 for couples), plus a small fee of 0.5% for managing investments.

Given the holistic and tailored nature of my services, I often bring the most value to women in their 40s who are established in their careers, earning six figures, and ready to seek help from an experienced and passionate professional. Learn more about the type of people I serve best from the case studies below.

I’m dedicated to creating a true financial partnership and building lasting relationships with a foundation of trust and transparency. As a fee-only, fiduciary firm, we don’t receive any commissions and are legally obligated to put your best interests first—and we wouldn’t operate any other way.

Who We Serve Best

Fictionalized case studies of the dynamic women we love to serve

Sarah Ann Mitchel

Sarah Ann Mitchel

A marketing executive with entrepreneurial ambitions.

Amber Sparks

Amber Sparks

A career changer

Elizabeth Kline

Elizabeth Kline

A seasoned professional ready to make work optional

Financial wellness, joy, and fulfillment come from the confidence to use your money in ways that encourage you to live your most ideal life.