Financial health, managed like it truly matters.

Our published plans run from $149 to $899 per month depending on the depth of care you need, and your first 30-minute session is always free. There are no hourly surprises, no asset-percentage creep, and no cancellation penalties — just 30 days' notice if you ever leave.

No. We serve clients at every stage — from someone with $500 and a goal to families with multi-generational wealth. Financial health isn't about where you start; it's about the trajectory. Some of our proudest outcomes began with the smallest balances.

Absolutely. We serve clients in all 50 states through secure video sessions, encrypted document sharing, and e-signatures. Many of our clients we've never met in person — and several say they prefer it that way. In-person meetings are available at our Rathdrum office for those nearby.

Thirty relaxed minutes about your life, goals, and current money stresses — no sales script, no pressure to continue. You'll leave with an honest first read on your financial vitality and a clear picture of what working together would look like. If we're not the right fit, we'll tell you that too.

Traditional planning optimizes for account balances. We optimize for how you live: stress levels, sleep, family conversations, and long-term resilience. Every recommendation passes two tests — does it strengthen the numbers, and does it lower the weight? If a strategy grows your portfolio but costs you peace of mind, we don't recommend it.

Usually within one week. Book a session, we confirm within one business day, and most clients complete their audit and receive their full plan within 30 days of that first conversation. Urgent situations — job loss, divorce, a windfall — get prioritized same-week whenever possible.

Yes. We use 256-bit encryption for all documents and communications, work with SOC-aligned custody partners, restrict internal access on a need-to-know basis, and never sell or share client data with marketers. Full details live in our Privacy Policy.

Never. We're fee-only. Our entire revenue comes from the flat fees you see on our pricing page, which is precisely why our advice has no hidden agenda. When we recommend a low-cost index fund, it's because it's the best tool — not because someone paid us to prefer it.

Delightedly — coordination is where plans succeed or fail. With your permission, we collaborate directly with your tax professional and estate attorney so everyone pulls in the same direction. Don't have one yet? We can refer vetted professionals in your state from our network.