Fiduciary Financial Advice for Mid-Career Families
Why We’re Different
We believe meaningful financial planning has less to do with getting rich and more to do with utilizing your resources to LIVE A RICH LIFE.
Simply put, we work to enrich our clients’ lives by inspiring them to live with intention and purpose.
Through our financial planning process, we help our clients discover the true meaning of wealth, empowering them to allocate their time, energy and money in a meaningful way.
No Commissions.
No Asset Minimums.
100% Fiduciary.
What’s it like to work with us?
Our services were crafted with the unique needs of mid-career families in mind. Using the framework outlined below, we tailor each client engagement to meet you where you are and guide you to your desired destination.
Fiduciary Investment Management
Proactive portfolio management tailored to you.
Includes:
Data driven, evidence-based investment approach
Proactive monthly portfolio updates
Use of low-cost ETFs, stocks, and bonds
Tax opportunistic
No commissions, no asset minimum
This service might be a good fit for you if you’ve had any of the following thoughts:
My portfolio assets have grown to the point where I no longer feel comfortable self-managing, and I want a strategic partner to give me confidence going forward.
I have a lot of cash in savings, and I don’t know what to do with it.
I have money invested in after-tax accounts, and I have no idea how to leverage tax loss harvesting.
I’ve never really understood my current advisor’s strategy: how they get paid, why they recommend certain types of products, or why I pay capital gains taxes (even when my portfolio shows a loss).
How much:
Fees start at 1% of assets under management (AUM) and are discounted at $1M and $5M (AUM)
Holistic Financial Planning
Financial planning that will help you align the way you use your resources (time, energy, money) with what matters most in your life.
Includes:
Holistic approach to your entire financial situation: taxes, estate planning, insurance, investments, education planning, financial independence
Core values exploration, goals identification, financial purpose discovery
Digitally documented and integrated with all accounts (401k, 457, 529, etc…)
Dynamic updates based on changes in your life
This service might be a good fit for you if you’ve had any of the following thoughts:
I like to manage my own investments, but I could use some help getting clear on my financial goals and creating a plan to achieve them.
I feel disconnected/disorganized/overwhelmed by my financial future.
I earn a lot of money, but I have no plan to ensure I’m making smart decisions with it.
I’m confident in everything I’ve done so far, but I would like to get a second opinion to make sure I’m not missing opportunities or exposing myself to risks.
I’ve never really understood my current advisor’s strategy: how they get paid, why they recommend certain types of products or why I own multiple life insurance policies.
How much:
Financial Planning fees are based on the scope of work. Packages start at $1,500. A comprehensive fee schedule is available upon request.
Comprehensive Wealth Management
Proactive, ongoing management of your portfolio and financial plan.
Includes:
Fiduciary investment management + Holistic Financial Planning
Data driven, evidence-based investment approach
Proactive monthly portfolio updates
Holistic approach to your entire financial situation: portfolio management, taxes, estate planning, insurance, investments, education planning, financial independence
Core values exploration, goals identification, financial purpose discovery
Digitally documented and integrated with all accounts (401k, 457, 529, etc…)
This service might be a good fit for you if you’ve had any of the following thoughts:
I’m pretty smart, but I’d like to outsource this part of my life to a professional who has the resources, time and expertise to help me accomplish my goals.
I’ve accumulated assets, but I have no strategic plan.
I am struggling to fund all of the competing priorities in my life: retirement, college savings, emergency fund, etc. Where should I start?
I’ve never really understood my current advisor’s strategy: how they get paid, why they recommend certain types of products or why we only ever talk about retirement planning even though I have other financial priorities.
How much:
Financial Planning fees are based on the scope of work. Packages start at $1,500 + AUM fee (1% or less depending on assets under management)
*Ongoing financial planning is included at no additional cost for clients that have $500,000 or more under our management.
Walden Ways Financial Coaching
A coach dedicated to helping you get on the right financial track.
Includes:
Structured process for helping clients make the behavioral changes necessary to live into their financial purpose and financial plan
Short term goal setting
Budgeting
Debt management
Financial education for high school and college aged children
This service might be a good fit for you if you’ve had any of the following thoughts:
I have no idea where all my money goes each month.
I know exactly how much money I earn, but I have no clue what my expenses are.
I’d like my kids to understand financial basics, but they don’t want to hear it from me.
I don’t know how to achieve my goals with the money I have.
I don’t really know how to talk to my family about money and the changes we need to make to achieve our dreams.
Should I be using an app on my phone to help me budget and manage our money?
My current advisor doesn’t want to talk about budgeting, debt or helping me educate my kids.
How much:
Coaching is offered on a per session or package basis. The per session rate is $250 and packages start at $1,500
Walden Foundations
A trusted voice dedicated to helping your high school or college aged child understand the importance of making smart financial decisions early in life.
Includes:
One in-person meeting with Josh
Digital takeaway including educational material, custom projections based on career interests and income potential, directions to establish self-directed investment account, and a short list of investments to consider to get started
Ongoing email and text support to answer questions and provide insight as needed
Access to digital financial planning and investment tools
This service might be a good fit for you if you’ve had any of the following thoughts:
I love my kid(s) and want nothing but the best for them.
I’ve been smart with my finances but struggle to effectively communicate the importance of planning to my child.
I can explain the technical aspects of saving, investing and compounding of interest, but can’t seem to get my child to care about it.
I don’t have the tools to effectively illustrate the growth of a portfolio over time.
I don’t know what type of account makes most sense for my child to start investing in.
My current advisor doesn’t offer a service for high school or college age students.
I don’t know much about investing, but would like my child to.
How much:
One-time fee of $250
Which plan is right for you?
Walden Insights
The past two years have been remarkable for investors, with the S&P 500 posting back-to-back gains of over +20%. The chart below takes a closer look at 2024’s price movement and uses yellow shading to mark the days when it closed at an all-time high. At the start of this year, the S&P 500’s previous all-time high was set in January 2022. It took over two years to reclaim the prior high, but once the index broke through in late January 2024, it set more than 50 new highs this year.