a financial plan for every stage of parenthood - from expecting your first child to an empty nest.
We help parents make confident financial decisions at every stage of raising a family.
DOES THIS SOUND FAMILIAR?
You’re doing everything - and still feel behind
You have so many competing financial priorities. Daycare, summer vacations, college savings, and your own retirement.
You know you should have a plan, but life keeps getting in the way. After working all day, making dinner, and getting the kids to bed, the last thing you want to think about is your finances.
You’re tired of feeling stressed and want greater clarity. The lack of a coherent plan is causing you a great deal of anxiety, but you want (and deserve) to feel in control of your family’s finances.
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For expecting parents and parents of children under age 5.
Financial focus: Getting organized, paying down student loans and debt, beginning to save & invest.
You are trying to navigate this new chapter in your life. Big financial decisions must be made regarding insurance, childcare, and budgeting… while running on minimal sleep.
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Parents with children ages 5-12
Financial Focus: Debt management & cash flow, proper insurance, balancing increasing responsibilities.
Your income is growing, but so too is your financial complexity. How do we save for college and retirement? Am I missing anything on my taxes?
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For parents of teenagers.
Financial Focus: College projections & FAFSA navigation, tax planning, and retirement projections.
College is right around the corner and your once-distant retirement is now within your sights. You are also in your peak earning years, so taking advantage of every tax break is extremely important.
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For parents of college-age children and empty nesters.
Financial Focus: Retirement projections, Social Security decisions, navigating healthcare, and tax strategies.
You have a plan for your kid’s college, so now retirement is your number one focus. You want to know that you aren’t going to run out of money.
the financial journey of a parent
Wherever you are - we’ve got you covered.
Every stage of parenthood brings new financial decisions. We built our practice around this journey.
how it works
Getting started is simpler than you think.
Three steps from first conversation to a plan built around your family’s life.
Family financial check-in
A relaxed 1-hour conversation to see if we’re the right fit.
No pressure, no commitment.
An honest talk about your family stands, and where you’d like to make improvements.
Become a client
When you’re ready to join, we make it official!
You’ll get set up with our firm’s technology, and see your family’s entire financial life in one place!
We’ll also walk you through what comes next.
Build Your Family Financial blueprint
A structured first wave of meetings where we get the full picture, find your focus, and start taking action, together.
Your family is on their way to a secure financial future!
Meet Matt, CFP(R), EA, MSPFP
I know what it feels like to feel overwhelmed with the financial decisions of raising a family.
Being a parent is the hardest, but most rewarding job that we’ll have in our lives. But, it doesn’t come without a barrage of additional financial decisions.
That’s why I started Pay It Forward Financial Planning. To create a firm that helped parents, just like you, tackle big financial decisions today, and make adjustments as your family grows.
Our focus is to help you use your money to support your values, and have the freedom and time to create memories with your family.
What's at stake
The cost of waiting adds up
faster than you think.
Most families don't struggle because of bad decisions — they struggle because no one helped them make the right ones at the right time.
Families that go it alone often leave more on the table than they realize.
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Overpaying on taxes every year Missing deductions and strategies that a financial plan would catch — often thousands of dollars annually.
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College savings that started too late Every year of delay costs compounding growth. Starting at 12 instead of 5 can mean tens of thousands less at enrollment.
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Retirement that stays a moving target Without a clear number and a path to reach it, most parents arrive at 55 unsure whether they're on track.
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Financial stress that never fully goes away Without a plan, the background noise of money worry becomes a permanent fixture in family life.
Our clients know exactly where they stand — at every stage.
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A tax strategy built into your plan We integrate tax prep and financial planning so deductions, savings strategies, and Roth conversions work together — not in silos.
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A college savings plan that's right-sized We help you figure out exactly how much to save, which account to use, and how to balance it with everything else.
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A retirement you can actually see A clear number, a realistic timeline, and a plan that adjusts as your income and life evolve.
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Confidence that replaces the noise Our clients tell us the greatest value isn't the plan itself — it's finally being able to stop worrying about money.
on your side
experience
covered
Your family's financial clarity starts with one conversation.
Schedule your free Family Financial Check-In