Ethical Financial Advice for Young Adults and Family Starters
Independent
Advice-Only
Fee-Only
For you. For anyone.
At Just Advising, I put you at the front of everything.
Just Advising is a virtual, independent, financial planning practice where the only service offered is just advice at a flat fee. You’ll never be sold a product, asked to let me manage your money, commit to a long-term engagement, or be turned away because of your net worth.
Here, you are valued for who you are, not how much I can profit off of you.
Commissions
Hidden Fees
Asset Minimums
Young Adults and Family Starters
If you’re between the ages of 25 and 35 years old, you’re either juggling the transition from education to career, apartment to home, single to married, first career to second career, no kid(s) to kid(s), and so much more. It’s easy to forget and think financial planning can wait, but this is the most opportunistic time of your life!
Below is a list of common financial concerns I’ve seen from people in different stages of their life. Maybe you have the same questions or maybe these shine light on questions you never thought to ask.
Starting Your Career
This is for young adults navigating graduation, first couple of “real” jobs, and financial independence.
Do you feel like you don’t know where your money goes each month but hate budgeting?
Have you recently graduated with student loans and don’t know how you can afford to live on your own?
Do you have other types of debt and are wondering about the best strategy to pay it off?
Did you just start a new job and don’t know what benefits are best for your life?
Did you just leave a job and are concerned about what’ll happen to your old insurance and benefits?
Sharing Your Life
This section speaks to couples who are getting serious, getting married, or merging financial lives.
Do you and your significant other approach money differently and disagree more than you’d both like?
Are you both thinking about combining finances but aren’t sure about the best way to do it?
Are you both getting excited for marriage but wondering how it’ll impact your taxes?
Have you both thought about what would happen if one of you got sick and couldn’t work for some time?
Do you both dream of getting a house or taking a vacation but feel like it’s impossible to afford?
Growing Your Family
This is for new parents or those planning for children, facing new financial priorities and responsibilities.
Do you or your significant other want to be a stay-at-home-parent but you don’t know if its affordable?
Did you just have a baby and are wondering about the best way to prepare for education costs they’ll have?
Does your child have special needs and you’re worried about how you can keep their government benefits?
Are you and your significant other new to parenting and concerned about what’ll happen if one or both of you die unexpectedly?
Ethical Financial Advice
Money is a tool. It can be used for school, bills, retirement, gifts, and more. But, you can also use money in line with your values to create positive change in the world. You might not write government policy or lobby politicians, but you can invest in ways to encourage positive change in the world. Welcome to the the Environmental, Social, and Governance (ESG) space of investing. Or as I refer to it here, ethical investing.
Research has shown that when investors (you) invest money towards ESG initiatives, it can influence just , fair, and sustainable change within a company’s policies and practices. At Just Advising, one of the areas I focus on is ethical investing advice.
Streamlined Service.
Everyone is encouraged and welcome to a free 30-minute Icebreaker conversation. This will help us find out if we are a right fit before kickstarting!
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What drives you? How do you want your future to look? Who are you?
If we decide to work together after your free Icebreaker meeting, we’ll move on to your Discovery Meeting. Here, I want to talk less about money and more about you.
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What are your financial strengths and weaknesses?
After your Discovery Meeting, I’ll send you a secure and encrypted link to upload different pieces of personal and financial data. During this time (1-2 weeks) I’ll analyze your financial picture and prepare for your Review Meeting.
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Do you understand your current financial picture?
We’ll review all the information and data you provided. Before we move on to recommendations and advice, I believe it’s important for you to understand your current financial picture. Here, you can ask any question and also help answer any question I might have. After this, I’ll prepare my recommendations and advice (1-2 weeks) for your Advice Meeting.
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How can my financial picture be improved?
Now for the fun stuff! This is when we go over all the recommendations and advice. My goal is for you to walk away feeling confident and secure with your financial picture. This is your time to relax your shoulders and get some breathing room. And if we don’t cover everything in this meeting, everyone is offered a free follow-up meeting.
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Transparent and Simple Fees.
All fees are a one-time payment, per project, based on your status below.
30-Minute Icebreaker
$0
Everyone is welcome (and encouraged) to a free 30-minute Icebreaker chat to see if we’re a right fit!
Individual
For individuals with no children
$1,800
Couple
For married and non-married couples with no children
$3,000
Family
For a couple or an individual with children
$3,600 for couple
$2,400 for individual
