Services & Costs

You Deserve to Know What You’re Getting—and What to Expect

You don’t need another confusing fee structure or vague promises.

At Second Opinion Financial, we keep things simple and clear. You’ll see exactly what each plan includes, what it costs, and what you’ll walk away with.

It’s the same approach we learned in medicine: Put people first. Be transparent. Focus on what actually matters.

Our Services

Student Loan Plans

A focused plan built around one thing: helping you understand your student loans and your best path forward.

Here’s how it works:
• I’ll send a few clarifying questions and guide you through uploading your NSLDS file
• I’ll review your loans, run projections, and map out your options
• We’ll meet on Zoom to walk through everything together and talk through next steps

What you walk away with:
• A clear student loan plan
• A practical path forward that reduces stress and confusion

Cost: starting at $497

Essential Plan

A focused, three-meeting plan to help you get organized and move forward with confidence.

Here’s how it works:
We’ll meet three times to clarify what matters to you and build a practical, step-by-step plan.

Meeting breakdown:

  1. Your goals, values, and priorities

  2. Review of your financial picture
    • Cash flow and budgeting
    • Investing
    • Student loans
    • Credit cards
    • College planning

  3. Final review and personalized action checklist

What you walk away with:
• A clear checklist to organize your financial life
• A plan for your investments
• A full student loan plan
• A 529 plan
• A clear approach to paying off credit cards

Cost: starting at $1,500

After the plan, you can:
• DIY it and work through the checklist on your own
• Schedule a 6-month check-in for one in-depth meeting (starting at $1,000)
• Do an annual refresh for a full update session (starting at $1,125/year)

Comprehensive Plan

A deep dive into every area of your financial life, with more time, more detail, and more support.

Here’s how it works:
We’ll meet four times, plus a bonus session if there’s an area you want to spend extra time on. These meetings usually last about three months.

Meeting breakdown:

  1. What matters most and what you want life to look like

  2. Cash flow, investing, retirement, college planning, and credit card debt

  3. Tax planning, estate decisions, insurance, and student loan strategy

  4. Full plan review and next steps

  5. Bonus session focused on whatever matters most to you

What you walk away with:
• A checklist to organize your entire financial life
• Everything included in the Essential Plan
• Deeper guidance across more complex areas of your financial picture

Cost: starting at $6,000
• $3,000 when we start
• $3,000 when your plan is delivered

After the plan, you can choose how to continue:
• DIY it and implement the plan on your own
• Ongoing Guidance (Advice Only): $6,000/year
• Ongoing Guidance + Investment Management: $9,000/year
• An annual refresh for a full update session (starting at $4,500/year)