Ongoing Planning

Personalized Planning, Long-Term Support

What is the Ongoing Planning?

The Ongoing Planning is designed for high-earning individuals, business owners, or those nearing retirement and seeking holistic advice who want a guide to walk with them along the journey. This is for you if you value professional expert insight, want help implementing the recommendations for your financial life, and want an expert in your corner as life evolves.

You’ll get a team who provides proactive financial planning and advice along with regular check-ins so you can move forward with clarity and confidence no matter what life throws your way.

How it works

01
R
Apply to work with a Defining Wealth advisor

Start by filling out a quick questionnaire. It helps us learn a bit about you and your goals so we can ensure we’re a good fit for what you need.

02
Create Your Financial Profile
Once accepted, you’ll receive access to your personalized dashboard in RightCapital, where you’ll upload your financial details and complete a few onboarding steps to kick off the planning process.
03
Kickoff Meeting
This is where the relationship begins. We’ll take time to get to know you, your family, your priorities, and what a meaningful financial life looks like for you.
04
Discover & Design
We dive deep into your financial world, your assets, income, goals, preferences, and more. We then craft a strategy tailored to your life. We’ll walk through it together, answer your questions, and ensure every recommendation aligns with your vision.
05
Deliver & Implement
We present your comprehensive plan and begin supporting you with implementation. From investments to taxes to estate strategy, we help you take action and make progress.

We provide continuous guidance and support. Through regular strategy sessions and open communication, we help you stay aligned with your goals as life evolves.
06
Ongoing Support & Optimization
This isn’t a set-it-and-forget-it plan. You’ll have regular communication and access to our team year-round. Life changes, and your plan will
keep up with it.

What We’ll Cover.

We take a 360° view of your financial life. Our Ongoing Plan covers:

Financial goals

Ongoing goal refinement and accountability to help you stay focused on what matters most.

Cash Flow

We help you design and refine a cash flow system that supports your lifestyle and savings goals.

Debt pay-off

We work with you to optimize debt payments and make intentional decisions about leverage.

Retirement Income Planning

We model retirement scenarios, plan distributions, and help you confidently transition from saving to spending.

Investment Strategy

You’ll get a customized portfolio strategy that integrates with your broader financial plan.

Equity Compensation

We help you make informed decisions about RSUs, ISOs, ESPPs, and employer stock — with a focus on timing, taxes, and risk.

Risk Management

We identify gaps and help you build an insurance strategy that protects what you’ve built.

Tax Strategy

We provide ongoing tax-focused planning to reduce your lifetime tax bill and maximize what you keep.

Estate Planning

We coordinate with your attorney or refer you to professionals who can help structure your legacy effectively.

Charitable Giving

We help you build a giving strategy that reflects your values and makes the most of your generosity.

What We Help With

What’s the difference between the one-time plan and the ongoing plan?
The one-time plan is a great fit if you want clarity and a roadmap you can implement on your own. The ongoing plan is for those who want continued support, implementation help, and year-round access to a planning partner.
Do I need to move my investments to you?
No. We work in a planning-first model, and while we offer investment management, you can remain in control of your accounts. You choose what level of involvement is right for you.
What kind of clients choose this plan?
This plan is ideal for individuals who are busy professionals, equity comp recipients, business owners, or those nearing retirement who want proactive advice without having to manage all the moving parts alone.
Is there a minimum asset level to qualify?
No. We don’t require minimum assets to work together. Our pricing is based on complexity, not account balances.
Can I switch to a different service later?
Yes. If your needs evolve, we can transition you to our full-service wealth management tier. We’ll apply any fees you’ve already paid toward the new service.
How often will we meet?
Our Ongoing Planning clients meet with their lead advisor for Spring and Fall Strategy Meetings. There is also a Summer Check-In from the team to gather additional information from tax season and ensure progress is being made toward annual goals. Beyond those meetings, you have access to your team at any time and can schedule a check-in with your advisor as needed.
How long will we work together?
Your engagement with our team will last for 12 months with a renewal meeting at the end of that 12-month period. If you paid your fee annually, you will receive a new invoice for the upcoming 12-month period. If you paid monthly or quarterly, we will confirm your desire to continue our work together and keep things moving forward.

Pricing

Starting at $9,000

Pricing is based on complexity and scope. We’ll provide a clear quote after our initial conversation.