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

Essential Planning

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

Follow Up Meetings:
Every 6 months - starting at $1,000/ review

Comprehensive Planning

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. Bonus session focused on whatever matters most to you

  5. Full plan review and next steps

What you walk away with:
• A checklist to organize your entire financial life that we can walk through together.

Cost: starting at $2,000 + $500/month for 6 months

After the plan, you can choose how to continue:
• Monthly Ongoing Guidance: $6,000/year (billed monthly)
• Quarterly Ongoing Guidance: $4,500/year (billed monthly)

• Ongoing Guidance + Investment Management: 9,000/year (billed monthly)

One-Time Comprehensive Plan

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

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. Bonus session focused on whatever matters most to you.

  5. Full plan review and next steps

What you walk away with:
• A checklist to organize your entire financial life

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

Follow Up:
• You take the plan and implement it on your own
• An annual refresh for a full update session (starting at $4,500/year)