Services & Pricing
At Off the Clock, we believe financial planning should be accessible to everyone. Whether you're just starting to invest or a lifelong investor, we meet you where you're at.
Not sure which engagement you fall into? During our intro call we'll determine which engagement works best for you.
Clocking In
Wealth Builders
Who It's For: Ideal for recent grads, first-time investors, and anyone in their 20s or 30s looking to build a strong financial foundation.
What's included:
- Goal & Life Planning
- Cashflow & Budgeting
- Investment management (included but not required)
- Implementation support & accountability
- 2x annual meetings
- Unlimited email & calendar access
Peak Earnings
Mid-Career Professionals
Who It's For: Ideal for mid-career professionals who've been doing the right things but want a clearer plan for what comes next — optimizing taxes, accelerating savings, planning for education costs, and making intentional decisions with a growing income.
What's included:
- Personalized comprehensive financial plan
- Investment management included (but not required)
- Implementation support & accountability
- 3x annual meetings
- Unlimited email & meeting access
Clocking Out
Pre-Retirees
Who It's For: Ideal for those 5 to 15 years from retirement who are ready to shift from building wealth to protecting and positioning it — and want a plan that makes the finish line feel real.
What's included:
- Personalized comprehensive financial plan
- Investment management included (but not required)
- Implementation support & accountability
- 3x annual meetings
- Unlimited email & meeting access
All fees are paid directly by you — no hidden charges, no commissions, no product markups.
Financial planning isn't one-size-fits-all. Here's a look at the topics we can work through together.
Goal & Life Planning
- Identify and create goals with timelines
- Align spending and investing with values
- Explore tax-advantaged gifting
- Navigate life transitions and career opportunities
Cashflow & Budgeting
- Build an emergency fund
- Create a personalized budget
- Strategize debt repayment
- Identify cashflow opportunities
Investment Management (optional)
- Assess portfolio allocation
- Strategic portfolio location
- Efficient tax loss harvesting
- Rebalancing portfolio
Retirement Planning
- Project retirement timelines
- Plan for Social Security
- Consider Roth conversion timing
- Strategize withdrawal and sequencing from accounts
Tax Planning
- Review tax returns
- Optimize tax-advantaged accounts
- Minimize lifetime tax liability
- Plan for tax implications with life events
Insurance Planning
- Assess and review current coverage
- Identify potential coverage gaps
- Review employer benefits
- Provide coverage recommendations
Estate Planning
- Review current estate documents
- Set up and review beneficiaries
- Discuss family estate plans
Educational Planning (optional)
- Project education costs
- Explore investment options
- Balance educational goals with other goals
- Coordinate gift giving
Equity Compensation (optional)
- Discuss RSU vesting and selling strategy
- Advise on concentrated portfolios
- Examine tax implications
How it works
Introduction Call
A free 30-minute chat to learn more about each other and see if we're a good fit.
Collaboration
Over 2–3 months we'll work together to gather information, discuss options, build out a plan that makes sense for you, and take the necessary steps to bring your plan to life.
Ongoing Partnership
Life happens, and things change — but you'll feel confident in your decisions knowing you have a trusted person to turn to. Frequent connects with unlimited access to your planner year round.