Our Services

Focused on You

At Equilibrium Financial Planning, everything starts with you. We believe financial advice should be clear and accessible, not buried in technical language or overwhelming charts. That’s why we take the time to understand your unique goals and craft a plan that truly fits your life.

As a fee-only fiduciary, we’re free from commissions, product quotas, and corporate agendas, so you can feel confident that our advice is always in your best interest. And we’re not just here for today; we’re in it for the long haul, helping you adapt and thrive as your needs evolve.

Our Services

Equilibrium Financial Planning delivers comprehensive, impartial advice for every facet of your financial life , from retirement, tax strategies, insurance, to cash flow management, custom tailored to help you achieve your goals.

    • Retirement Goal Setting

    • Social Security Analysis

    • Cash Flow Analysis

    • IRA Contributions

    • Roth Conversions

    • Review of Employer-Sponsored Plans

    • Annuities and Pensions

    • RMDs and Withdrawal Strategies

    • Self Employed Plans

    • Projections and Stress Tests of your Strategy

    • Portfolio Rebalancing

    • Asset Allocation & Location

    • Risk Tolerance, Risk Capacity, and Time Horizon Assessment

    • Withdrawal Strategies

    • Account Aggregation

    • Monitoring of Outside Accounts (401k, etc)

    • Review Concentrated Positions

    • UGMA/UTMA

    • Review of Income Sources

    • Setting Goals, Expenses, and Budgeting

    • Debt Management

    • Review of One-Time Expenses

    • Planned Large Expenses

    • Emergency Funding

    • Mortgage Review

    • Lines of Credit

    • College Planning (529s, etc)

    • Tax Conscious Investing

    • Review of Cost-Basis

    • Review Realized Gains

    • Tax Loss Harvesting

    • Deductions & Credits

    • Potential Roth Conversions

    • HSAs & FSAs

    • Tax Return Review

    • Tax Projections

    • Federal & State WIthholdings

    • Meeting Tax Professionals At Your Side

    • Wills

    • Power of Attorney

    • Living Will

    • Health Care Proxy

    • Trusts

    • Irrevocable Life Insurance Trusts

    • Estate Taxes

    • Individual & Charitable Giving

    • Meeting Estate Attorneys At Your Side

    • Review of Existing Policies

    • Life Insurance Needs Analysis

    • Long Term Care Analysis

    • Disability Insurance Analysis

    • Health Insurance Review

    • Homeowner’s or Renter’s Insurance Review

    • Liability Coverage

    • Health Savings Accounts

    • Medicare Advice

    • Auto Insurance Review

    • Meeting Insurance Brokers At Your Side

How It Works

Start With a Personalized, Free Assessment

Our free 3 step assessment process is absolutely free with no commitment required.

Step 1: Mutual Fit Call

15 MINUTE PHONE CALL

We chat to determine your financial needs and to ensure your situation matches our expertise.

Step 2: Getting To Know You

60 MINUTE IN PERSON OR VIRTUAL

To learn about you and your financial situation, share more about our firm, and answer your questions. We’ll dive deeper into your goals, values, and current financial picture.

Step 3: Personalized One Page Plan

60 MINUTE - IN PERSON OR VIRTUAL

You’ll receive a personalized one-page financial snapshot, outlining key opportunities to improve your retirement plan, lower taxes, and optimize your investments.

Moving Forward After Your Personalized One Page Plan

We seamlessly transition into building your full financial roadmap. No surprises, no pressure, just a natural next step toward clarity and confidence. From getting your financial details organized to exploring your goals in depth, we take care of the heavy lifting so you can focus on what matters most.

Getting Organized

IN PERSON OR VIRTUAL

We facilitate integration of verified data and documents with our software to gain a comprehensive picture of your entire financial position allowing us to recommend highly personalized and specific actions.

Goal Exploration

IN PERSON OR VIRTUAL

Based upon the data and the goals discussed earlier, we analyze which goals are attainable, define steps needed to reach those goals, and generate a financial plan highlighting our findings.

Plan Presentation

IN PERSON OR VIRTUAL

We present your comprehensive financial plan and begin implementation.

Ongoing Services

Financial planning isn’t a one-and-done conversation. At EFP, we stay actively involved in your financial life through consistent, thoughtful support.

Each month, you’ll receive a personalized Financial Wellness Audit: a check-in providing cash flow analysis, investment activity, upcoming deadlines, and changes in tax law or the financial industry that may affect you. Think of it as a quick pulse check to keep your plan on track.

In addition to these monthly touch points, we schedule two in-depth meetings each year. Beyond these two anchor points, we meet as often (or as little) as you’d like. Some clients enjoy regular check-ins and love “talking shop” while others prefer to touch base only when necessary. We are here to support you at the pace that feels right for your life.

Let’s build your financial future together.

The first step in the process is absolutely free with no commitment required.