Financial Planning Services
Financial guidance without the BS
We believe everyone deserves straightforward advice and a transparent easy-to-follow plan at a fair price.
Financial planning services
Financial guidance without the BS
We believe everyone deserves straightforward advice and a transparent easy-to-follow plan at a fair price.
Just some of the questions we help you answer
Will I have enough to retire — and stay retired?
Am I investing my money in the right places?
Am I making the right financial decisions?
What tax strategies should I be considering?
Will I be okay?
When should I start taking Social Security?
Do I have enough to make a large purchase?
What happens if life throws me a curveball?
Should I be thinking about Roth conversions?
FINDING YOUR FINANCIAL SANCTUARY
One Plan. Infinite Paths.
How it works
Get Started
The Foundation Plan
Financial planning isn’t just for the ultra-wealthy or those nearing retirement. We believe EVERYONE deserves honest, clear, proactive advice at a fair price. And it all starts with a strong foundation.
This year-long planning experience brings your financial life into focus, connects it to what matters most, and gives you a confident path forward. You’ll leave with direction, alignment, and a strategy you can trust.
Customize your plan
Tailored for You
Once your foundation is in place, your plan grows with you. From in-depth add-ons to investment guidance and retirement design, you can layer on services as your life evolves. Our flexible approach gives you what you need, when you need it — always aligned with your goals and priorities.
Maintain momentum
Ongoing Advice
Financial planning isn’t a one-and-done event — it’s a lifelong journey. As your goals shift, markets fluctuate, and life changes, your financial plan should evolve with you. That’s why we offer ongoing advice to keep you confident, clear, and in control.
Financial Planning FAQs
Are you fiduciaries? What does that mean?
We are fiduciaries which means we are required to do what is in the best interest of the client and disclose and manage any potential conflicts of interest. It is the highest standard of care in the industry – and not everyone is held to it.
Do you earn commissions on your recommendations?
We don’t sell products. We don’t earn commissions. We are fiduciaries solely focused on what is best for you.
Are there any conflicts of interest I should be aware of?
Many advisors have conflicts tied to their compensation. For brokers who sell products and receive commissions, that’s a potential conflict. For advisors who charge a percentage of assets under management (AUM) there is potentially the incentive to seek to manage more assets.
Given our flat-fee and hourly pricing structure, Sanctuary doesn’t have the conflicts found in many other wealth management firms. And as a fiduciary we are required to 1) do what’s in the clients’ best interest, and 2) disclose any conflicts that may arise.
How is your approach different from other advisors?
We combine flat-fee transparency with holistic financial planning that centers on your life, not just your assets. It’s advice rooted in values, not product sales or portfolio size.
How much money do I need to work with Sanctuary Financial Planning?
Sanctuary has no asset minimums. If you see value in our services and can pay our fee, we would be happy to work with you.
Do you work with business owners or self-employed individuals?
Yes. We understand the complexities of running a business or earning self-employed income. From irregular cash flow to tax strategy and retirement planning, we help you build a financial plan that supports both your personal and professional life.
Can I work with you if I already have an investment advisor?
Absolutely. Clients can work with us solely for financial planning while continuing to manage their investments elsewhere or through another advisor.
Do I need to live in a particular state to work with you?
We are a virtual practice and can serve clients in all 50 states.
If I am local, are you willing to meet in person?
For local clients we are happy to meet in person. Sanctuary does not currently have public office space, so we are able to meet at your home/office. Travel charges may apply.
Does my spouse need to be involved?
No. We do not require that both spouses engage in the planning process. However, we do need to meet with anyone who is going to sign the Client Engagement Agreement (CEA).
Will I be working with Sarah or Jim?
We’re an ensemble practice, so while you may work more closely with one of us, both Sarah and Jim collaborate behind the scenes to support your plan. You get the benefit of two perspectives and a unified approach.
How does Sanctuary’s planning process work?
We start with a Foundation Plan — a focused, year-long engagement designed to bring clarity, alignment, and momentum. After that, we continue with annual planning engagements, tailoring services and fees based on what’s most relevant in your life each year. View our entire process here.
Do I have to sign up for everything at once?
Not at all. We start with what matters most to you and only expand if and when it makes sense. You’re never locked into services you don’t want or need.
Can you help me with big financial decisions?
Yes. From choosing between renting or buying to navigating job changes, major purchases, or family transitions — we help you think through the financial and emotional trade-offs so you can make confident, informed decisions.
What if I just need help with one specific area?
That’s no problem. If you have a focused need, we offer hourly planning to help you tackle exactly what’s needed — no more, no less. You can learn more about hourly planning here.
Is your pricing really flat-fee?
Yes. You’ll know exactly what you’re paying and what it covers — no percentage-of-assets pricing, no surprises. View our Services and Fees Guide here.
Can I meet you and ask questions before I commit to anything?
Absolutely. Start with a no-cost Inquiry Call to get to know us, and if it feels like a fit, we’ll move to a no-cost Discovery Call to explore the best path forward. Learn more about the process here.
What do our clients think about working with us?
These clients have not been paid or received any compensation for providing testimonials, and there are no material conflicts of interest.
Just some of the situations we help with
Sam & Allison are tired of overpaying
Sam and Allison like their advisor, but they are frustrated paying high fees based solely on the size of their portfolio.
Mark & Jenna are ready to leave corporate America
Will they have the ability to pursue their passions while still having enough to live the life they want and honor their financial commitments?
Noah and Avery are ready to retire
While Noah and Avery are excited about retirement, they are both admittedly nervous about no longer receiving a paycheck.
Helpful Takeaways
Services & Fees
A full menu of our services, our prices, and how it all fits together.
Are you ready to take control of your financial life?
Schedule your free Inquiry Call to get started toward finding your financial sanctuary.
- Learn how we can help
- Ask all of your questions
- Decide if we're a good fit