Subscription-Based Financial Planning
Yesterday's Financial Advisor
For years, financial planning felt more like a sales pitch than a true advisory relationship. Many professionals came from investment or insurance sales, and their compensation depended on closing a deal—not offering holistic guidance. It’s no wonder clients often felt like the “plan” was just a dressed-up way to sell a product.
As demand grew for real, unbiased advice, the industry shifted toward fee-based planning—an important step forward. But even that model had its flaws: high upfront costs and static plans that quickly became outdated.
Today's Financial Advisor
Today, the future of financial planning is dynamic, accessible, and built around ongoing guidance—not one-time transactions. Because your life isn’t a snapshot—and your financial plan shouldn’t be either.
What Is Subscription-Based Planning, and is it Right for You?
Monthly subscription planning gives you ongoing access to real financial advice—not just a one‑time plan. Your advisor focuses on your goals and your current situation, offering guidance that’s completely independent of any specific product. And you can choose to put that advice into action with Consolidated Planning, on your own, or even with another company.
By breaking the cost into simple monthly payments, subscription planning keeps things manageable and ensures your plan stays up‑to‑date. You and your advisor stay connected, track your progress, and make adjustments as life changes so you’re always moving toward your goals.
Ongoing Advice
Do I want ongoing advice tailored to your life—or help buying a specific product?
Professional Help
Am I comfortable coordinating and organizing all aspects of my financial picture on my own or would I like help from a professional?
Process
Do I have the time, energy, and knowledge to manage my finances or rely on a financial professional’s process and guidance?
Cash Flow
Your cash flow is all of the income that flows into your life. Cash flow drives everything in your financial world and your advisor will work with you to put it to its highest and best use.
Protection
Protection includes your life, disability, health, and other insurance coverages, as well as your legal documents like wills and trusts. Your advisor will help you protect what you have today and ensure your cash flow continues even if the unexpected happens.
Assets
Your assets are the things you own like your house, car, savings, and investments. Each has its purpose and place, and your advisor will advise you on how to coordinate and grow your assets in line with your long term and short term goals.
Liabilities
Liabilities are things you owe like mortgages, student loans, consumer debt, credit cards, and deferred taxes. Your advisor will advise you how to leverage smart debt and eliminate bad debt.