Financial Planning Services

Upfront Pricing

Joyner Financial Planning is proud to offer fee-only services. This means that I am compensated directly by you, my client, and never accept commissions, referral fees, or any third-party incentives. My commitment is to provide you with unbiased, transparent financial advice that always prioritizes your best interests.

  • Suitable for most needs

    One-time project-based plan with action items for accomplishing 2-3 financial goals.

    Includes:

    Three 60–90-minute co-working meetings to build your financial plan.

    One 60-minute courtesy check-in meeting.

    Topics covered on a one-time basis:

    • Net worth analysis & projections

    • Employee benefits review

    • Debt management

    • Goal planning & Strategy

    • Asset allocation analysis

    • Cash flow management

    • Tax planning

    • Estate & insurance review

    • Rebalance recommendations

  • (annually**)

    Ongoing implementation of project-based plan’s action items for accomplishing 2-3 financial goals.

    Includes:

    Three 60-90-minute follow-up meetings to implement your financial plan.

    **ONLY for those clients who have purchased a project-based plan in the past year.

    Topics covered on ongoing basis

    • Net worth analysis & projections

    • Employee benefits review

    • Debt management

    • Goal Planning & Strategy

    • Asset allocation analysis

    • Cash flow management

    • Tax planning

    • Estate & insurance review

    • Rebalance recommendations

  • ($150 per hour*)

    Targeted guidance for immediately actionable advice on any 2-3 topics covered under project-based plan.

    Includes:

    One 90-minute co-working meeting to address your financial needs.

    *MINIMUM 2 hours.

    Covers 1-2 topics below:

    • Net worth analysis & projections

    • Employee benefits review

    • Debt management

    • Goal planning & Strategy

    • Asset allocation analysis

    • Cash flow management

    • Tax planning

    • Estate & insurance review

    • Rebalance recommendations

The 3-Step Financial Clarity Framework

    • Establish clarity by gathering and reviewing all financial documents.

    • Create a comprehensive understanding of your current financial situation.

    • Set a solid foundation by identifying key priorities and goals.

    • Align your financial strategies with your goals through tailored recommendations.

    • Maximize opportunities in cash flow, tax planning, investments, and more.

    • Simplify your finances, focusing on efficiency and long-term impact.

    • Implement actionable steps to turn your financial plan into reality.

    • Track and measure progress with ongoing support and adjustments.

    • Celebrate milestones as you build the life of your dreams.

Common topics I help with…

    • Keep a safety net: Make sure you have enough cash for life’s surprises while earning more on your savings.

    • Spend with purpose: Create a budget that matches your goals and values.

    • Cut the fluff: Track spending to find and eliminate waste.

    • Maximize your money: Spot where your cash flow is off and fix it.

    • Ditch the debt: Pay off debt smarter and build a strong credit score.

    • Plan for their future: Set up smart savings or investment accounts, like 529 plans, to cover education costs.

    • Get ahead of the game: Build a plan to balance education savings with your other financial goals.

    • Make the most of your stock perks: Get smart with stock options, RSUs, and ESPPs.

    • Save on health costs: Maximize your medical, dental, and vision benefits.

    • Plan your time off: Use PTO, sick leave, or family leave to support your goals and work-life balance.

    • Protect what matters: Ensure your work and personal insurance have you covered.

    • Stress less about money: Get a clear plan to manage your finances and debt.

    • Invest in your goals: Align your money with dreams like buying a home or retiring early.

    • Feel confident: Take control of your financial decisions with expert guidance.

    • Protect loved ones: Secure inheritances for kids, special needs individuals, or those who need help managing money.

    • Plan for care: Choose someone you trust to make healthcare decisions for you.

    • Choose guardians: Name caregivers for your children or dependents with special needs.

    • Ease the burden: Make sure debts are handled without overwhelming your family.

    • Find your balance: Create the right mix of investments—stocks, bonds, real estate, and cash—based on your goals, timeline, and comfort with risk.

    • Keep your investments on track: Rebalance your portfolio to stay aligned with your goals and risk tolerance.

    • Plan your savings: Set yearly goals for saving and contributions.

    • Retirement timing: Figure out when you can retire and what it will take.

    • Smart withdrawals: Develop a strategy for taking money out of your retirement accounts.

    • Roth conversion strategy: Analyze whether converting to a Roth IRA makes sense for you.

    • Tax-smart planning: Manage your tax bracket and optimize gains through smart harvesting.

    • Stock option strategy: Plan how to handle your stock options for maximum benefit.

Partnering with you to build a brighter, more prosperous future

Reach out to discover how you can get organized and optimized.