our process
How We Work With You - Our Annual Service Calendar
Your year with us is built around your family’s rhythm — not a financial firm’s calendar. Two deep planning meetings, one behind-the-scenes season, one focused check-in, and a December celebration of everything you’ve built.
In-depth meeting — 1 hour
January
“The holidays are over and the kids are back in school. Let’s map out what this year looks like.”
What we talk about
What does your family want to achieve this year? What decisions are coming up? What’s keeping you up at night? This is your meeting — we listen first.
What we do together
Set your family’s financial intentions for the year. Review your cash flow. Adjust your savings pace if needed. Fund IRAs before the April deadline.
Tax season — handled
February – April
“You’re gathering documents and worried you’ll make a costly mistake. We take that off your plate entirely.”
What this feels like
You receive a simple checklist of what to collect. We handle everything else — preparation, optimization, filing, and a plain-English summary of the results. No stress. No surprises. Just relief.
Why it’s different
Because Matt knows your full financial picture, your return isn’t just filed — it’s optimized. Your planner and your tax preparer are the same person.
Enjoy your summer
May – July
“You’re busy living life. We’re busy making sure your family is protected.”
What we’re doing behind the scenes
In-depth meeting — 1 hour
August – September
“The kids are back in school and routines are settling. This is the best time of year for a real conversation about what’s on your mind.”
The conversations we have with parents in this meeting
Check-in
October – November
“The end of the year is closer than it feels. This is when the smart decisions get made.”
Open enrollment
We walk through your benefits side by side — health insurance, HSA, FSA, life, and disability. You make confident decisions, not rushed ones.
Year-end tax moves
Roth conversions, tax-loss harvesting, charitable giving — every move worth making identified before December 31st.
Your year-in-review
December
“Before the year closes, we send you something worth keeping.”
What you receive
A personalized year-in-review that highlights your family’s financial progress, the goals you hit, the decisions you made well, and how much closer you are to the life you’re building.
Not a statement. Not a performance report. A celebration.
Always on — every month of the year
Matt in your corner
Life doesn’t wait for meetings. Call, email, or book a call whenever something comes up. Response within one business day.
Investment monitoring
Monthly portfolio reviews and rebalancing. You don’t have to watch the market. We do.
Your financial dashboard
24/7 access to your complete financial picture — net worth, budget, and progress — always visible in one place.
Our pricing
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Ongoing financial planning
Pay It Forward Financial Planning clients pay a monthly fee for non-investment management services.
Fees can range from $100 - $350 per month depending on your income level and complexity.
You will be provided a proposed fee prior to engagement. -
investment management
Our clients pay a separate monthly fee for investment management. This fee is deducted from your investment account(s). The fee is structured as follows:
$0 - $500,000: $200/month
$500,001 - $1,000,000: $350/month
$1,000,001 - $1,500,000: $500/month
$1,500,001 - $2,500,000: $650/month
$2,500,001 and above: $800/month