Money & Debt
Review cash flow, savings, spending, liquidity, and debt strategies.
Comprehensive financial planning
Financial Planning Isn’t Just for the Wealthy.
Your money decisions are connected. Your financial plan should be, too.
Retirement, investments, cash flow, and insurance decisions often affect one another. A comprehensive financial plan helps you understand those connections and identify practical next steps.
At Prosperity Planning & Advisory, we provide personalized, adviser-reviewed financial planning designed around your circumstances, priorities, and goals.
One-Time Financial Planning: $600 Household | $1,000 Business Owner. Professional guidance. Clear recommendations. You remain in control.
Explore the planning options
Why comprehensive planning
A Complete Financial Picture. A More Coordinated Approach.
Financial decisions rarely happen in isolation. A retirement decision may affect savings, investments, taxes, or the financial resources available for other goals.
Comprehensive financial planning brings these considerations together so you can better understand where you stand, evaluate meaningful alternatives, and prioritize what matters.
Whether you’re building a financial foundation, approaching retirement, or balancing business and family priorities, a coordinated plan can provide structure for the decisions ahead.
What can your plan cover?
One Plan. Multiple Financial Priorities.
Retirement
Evaluate retirement readiness, Social Security decisions, income needs, and planning for a long retirement.
Investments
Review diversification, portfolio allocation, risk, and investment decisions in the context of your goals.
Protection
Identify insurance needs, potential coverage gaps, and important financial risks.
Tax & Estate
Consider tax-aware planning opportunities, beneficiary coordination, and relevant legacy-planning concerns.
Life Goals
Address education, housing, family priorities, and other significant financial decisions.
The areas analyzed and depth of recommendations depend on your circumstances, available information, and agreed engagement scope.
Industry Research: $3,000 — Median Standalone Planning Fee
Professional Financial Planning May Be More Accessible Than You Think
Comprehensive Household Financial Plan
$600One-time planning fee
For individuals and families who want one coordinated plan covering cash flow, retirement, investments, protection, and major goals.
Includes an adviser-reviewed written plan and personalized recommendations within the agreed scope.
Comprehensive Business-Owner Financial Plan
$1,000One-time planning fee
For business owners whose company cash flow, compensation, retirement benefits, obligations, or transitions influence their household financial decisions.
Builds on comprehensive household planning with focused business-related analysis when appropriate to the agreed scope.
INDUSTRY SURVEY BENCHMARK — NOT A PROSPERITY FEE · $3,000
Median standalone financial-planning project fee among surveyed advisory teams charging separately for plans. Source: Kitces Research, How Financial Planners Actually Do Financial Planning, Vol. 2 (2024 study). Fees and services vary by adviser and planning complexity. Professional Financial Planning. Made More Accessible. Advancements in financial-planning technology allow us to streamline information gathering, analysis, and plan preparation—reducing administrative work while keeping the focus where it belongs: on you. Every financial plan includes personalized recommendations developed and reviewed by your financial adviser. Technology supports the process; professional judgment guides the advice. Professional guidance without transferring your investments or committing to ongoing asset-management fees. We discuss your goals and circumstances before agreeing to an engagement. The written agreement identifies the fee, services, and deliverables. Complex situations or specialized assignments may require a separate scope and fee, explained before additional work begins.
Not Sure Which Plan Fits Your Needs?
We’ll help you understand the options during a complimentary Clarity Session.
What you receive
Personalized Planning. Practical Recommendations. Clear Next Steps.
Your financial plan organizes important information and connects the analysis to practical decisions.
Depending on your circumstances and agreed scope, your completed work may include a personalized written financial plan, relevant financial projections, prioritized recommendations, supporting planning illustrations, and an action roadmap.
You also have an opportunity to discuss key findings, ask questions, and understand the recommendations.
Our focus is not producing unnecessary pages or charts. It is delivering useful, adviser-reviewed analysis of the issues that matter to your financial decisions.
Financial projections depend on assumptions and are not guarantees of future outcomes.
30-Day Clarification Period
For 30 calendar days after delivery of your plan, you may ask reasonable questions about that plan and its existing recommendations. Material changes in your circumstances or additional projects may require a separately agreed scope. Errors in our original work are handled separately and are not treated as paid updates.
Available for 30 calendar days after plan delivery
Illustrative examples
See What a Comprehensive Financial Plan Actually Looks Like
Explore selected pages from a fictional Prosperity financial plan. See how financial analysis, projections, and personalized recommendations come together to help organize important financial decisions.
These illustrations are examples—not a complete financial plan. Selected pages are from a fictional comprehensive financial plan. Additional budget and business-owner illustrations are separate fictional examples. Actual planning content, projections, and deliverables depend on individual circumstances and the agreed engagement scope. Hypothetical results are not guarantees.
The Rivera household examples are fictional and for educational purposes only. Actual planning illustrations and budget workbooks depend on your circumstances, available information, and the agreed scope of services; clients may receive different materials.
How the process works
A Straightforward Process. Personalized Guidance.
- 1
Start with a Clarity Session
Discuss your goals, questions, and whether our planning approach may fit your needs.
- 2
Confirm Your Planning Scope
Review the proposed services, fee, written agreement, and applicable disclosures before beginning.
- 3
Organize Your Financial Information
Provide relevant information through approved secure channels so we can evaluate your circumstances.
- 4
Develop and Review Your Plan
We analyze your information, compare relevant alternatives, and prepare prioritized recommendations for your review.
- 5
Discuss Your Next Steps
Review the plan, understand its priorities, and decide which recommendations you want to implement.
You remain in control. Prosperity provides non-discretionary advice. We do not manage your investment accounts or place trades on your behalf.
Why Prosperity?
Professional Guidance. Planning That Connects the Details.
Financial planning should be understandable, relevant to your circumstances, and focused on decisions you can actually make.
Marcus, ChFC® (Chartered Financial Consultant®), serves as Prosperity Planning & Advisory’s principal adviser. Our planning-first approach combines financial analysis, professional judgment, and practical recommendations tailored to each engagement.
Prosperity provides financial planning and non-discretionary investment guidance without managing or trading client accounts. Your planning fee is based on the agreed service, not the size of your investment accounts. You retain control over implementation.
Your goals guide the conversation. Your decisions remain yours.
Questions, answered
Frequently Asked Questions
Is this a comprehensive financial plan or a basic financial review?
Yes. We review the financial planning areas relevant to your situation and provide a written, adviser-reviewed plan within the agreed scope. The depth of analysis depends on your goals, circumstances, and planning needs.
Does the $600 plan fit every household?
Not always. We review your goals, available information, and the complexity of your situation before recommending a package. The $1,000 Business-Owner Plan adds focused analysis when business-related issues materially affect household decisions; business ownership alone does not determine the package. Your written agreement confirms the scope and fee, and specialized work may require a separate proposal.
What makes the Business-Owner Financial Plan different?
It adds relevant analysis connecting business and personal finances. This may include owner income, business obligations, retirement-plan considerations, business concentration, and future transition goals. Formal business valuations, legal restructuring, and other specialist work are not automatically included.
Do you manage investments or place trades?
No. Prosperity provides non-discretionary financial planning and investment guidance. You decide whether and how to implement recommendations through your selected financial providers.
Do I need an ongoing subscription?
These one-time planning packages do not require an ongoing subscription. Any future updates or additional planning services would be subject to a separate agreement.
Do you provide tax preparation or legal services?
No. We may identify tax-aware opportunities and estate-planning considerations, but tax preparation, legal advice, and legal document preparation are separate professional services.
What happens during the Complimentary Clarity Session?
It’s an introductory conversation to discuss your goals, learn about our approach, and determine whether a planning engagement may be appropriate. Scheduling the conversation does not establish an advisory relationship or require you to purchase a service.
How can Prosperity offer comprehensive financial planning at such an accessible price?
Modern financial-planning technology helps us streamline information gathering, analysis, and plan preparation. This reduces administrative work while allowing us to focus on personalized financial planning and professional guidance. Every plan includes adviser-developed recommendations based on your individual circumstances. Technology supports our process, but professional judgment remains central to the advice.
Your next step
Your Financial Future Deserves a Plan.
You don’t need to have every financial question answered before exploring comprehensive financial planning.
Start with a conversation about your priorities, what a financial plan could address, and the next steps that may make sense.
An introductory conversation is complimentary and does not obligate you to become a client.
