the Discovery
Your first meeting is a chance to get acquainted and explore mutual suitability for a collaborative working arrangement. I want to understand your motivation to seek out a financial planner, and together we will determine what type of planning engagement is best for your circumstances. I am happy to share my philosophy of practice, summarize my fee structure and answer any questions you have.
the Work
Our work together will go beyond the static client profile details of household structure and financial data. I am keenly curious about your life perspectives, financial values, key relationships, and vision for your optimal financial future. This leads to the foundational question: “What would financial success look and feel like for you?” This is extremely important when we are implementing strategy that is holistic in nature. All facets of your financial picture will be considered in light of their collective impact on your intentions and priorities.
the Promise
Our firm’s governing registration and credentialing standards of its advisors mandate a sincere commitment to serving the best interests of clients; to not give any misleading statements, and to charge a fair price for services delivered.
the Outcome
Solving challenges such as wealth building, student loan repayment, family planning, and career choice - all while enjoying today is a complicated equation. A successful process frees up time and emotional space; implementing a new financial support structure provides clarity; collaborative work is motivating and serves as your accountability partner; and investment effort that is coordinated with controlled spending and deliberate objectives solidifies your financial health and well-being.
the Value
Since financial literacy was nowhere in our formative education and rarely discussed in our family systems, you may feel vulnerable around any number of financial topics. Over the years a pattern of avoidance or procrastination may have emerged. This struggle is real – you recognize the need to elevate financial planning up your priority list, but “life keeps happening.” Now, life is full of big changes and important decisions.
Wouldn’t it be nice to have an advocate in your corner? How relieved would you feel by knowing how to repay your loans as efficiently as possible? To know the right type of insurance protections that are needed now vs. the future? Imagine your satisfaction as you make confident decisions around investing because you understand the options that are most suitable for you. We encourage you to act on the unmet needs so these and other goals can be achieved. You deserve to have clear financial direction and confidence in yourself. You can do this.
The heron is the guiding symbol that shapes the business culture, value system and service commitment of Stellar Financial Health.
You decide.
Ongoing Financial Planning
Project-Based Comprehensive Financial Plan
Financial Planning by the Hour
SAMPLE CASE STUDIES
-
![]()
Medical school graduate entering residency and recently married
Ongoing Financial Planning
Carefully monitored student loan accounts and implemented a repayment strategy in the context of evolving COVID relief provisions and a career trajectory in private practice. Identified loan refinancing as a timely strategy to reduce interest rates and project a lower total repayment cost by $66,000 compared to keeping loans with Federal Student Aid. Recommended investment strategies to leverage significant income increase for wealth building and to consolidate assets from old 401k plans to create portfolio efficiency and account simplification. Evaluated risk management picture to determine sufficient insurance coverages in both employer benefits and privately held policies. Introduced the importance of estate planning, even for a young family. Delivered education on the necessary considerations, facilitated preparation for assessing an appropriate legal relationship, and provided a conflict-free referral to a vetted, trusted legal professional as a viable resource.
-
![]()
Dual practicing physicians working in private practice.
Project-based Comprehensive Financial Plan
Coordinated financial efforts to set specific timeline targets for student loan repayment, college funding for young children, maximized investment opportunities to create substantial wealth in a 22-year time horizon, and contained debt liabilities – all with the intention of achieving financial freedom to realize early retirement endeavors. Identified significant yet cost-effective life insurance strategies to manage risk over time and facilitated alignment with credible legal specialists to assess suitability for estate planning and living trust strategies.
-
![]()
A starting dentist who is joining their first practice after graduating dental school.
Ongoing Financial Planning
Collaborated on evaluating two competing contract offers to evaluate and distinguish the merits of each. Built a spending plan to create structure in managing a significant increase in cashflow. Initiated discussion of financial priorities and forecast of upcoming major purchase. Supported enrollment into employer sponsored retirement plan and investment in a ROTH IRA. Provided investment education to develop suitable asset allocation in retirement accounts. Prioritized financial stability by building up adequate cash/liquidity (emergency reserves), benefit elections during the employer open enrollment period, and attention towards their credit profile to create financial readiness for future financing needs.
Does this resonate with you?
Indigenous culture interprets heron medicine to inspire self-reflection and patience; to turn awareness into action on what you want to change. To motivate when opportunities arise and to fly in the life direction that you choose.