What is Financial Planning?
Financial planning is the process of transforming your goals and dreams into a practical, actionable pathway that accounts for your current financial circumstances and the impact of inflation. At Kinetic Financial (KF), financial planning is more than just numbers — it’s about empowering you to achieve your vision for the future.
Why Choose Kinetic Financial
At Kinetic Financial, we’re redefining financial planning with a focus on transparency, adaptability, and client-centric solutions. Whether you’re starting your financial journey, navigating setbacks, or managing the complexities of high-net-worth portfolios, we’re here to guide you every step of the way.
We focus on what matters most: aligning your goals with impactful financial strategies.
Here’s how we stand out:
- Personalized Approach: Every plan is tailored to your unique needs, aspirations, and challenges.
- Fee-Only Services: We don’t earn commissions from selling products, ensuring our recommendations are always in your best interest.
- Expertise You Can Trust: Our structured yet highly flexible system ensures impactful, measurable results.
At Kinetic Financial, your success is our focus—not selling products.
College Savings
Retirement
Home Purchases
Debt Payoff
Savings
Investments
Legacy Building
Charitable Giving
Budgeting
Wealth Building
How We Work
Our financial planning services are designed to provide unmatched flexibility and transparency, empowering you to choose the level of engagement that aligns with your goals. We offer three service types—Ongoing, Self-Guided, and Project-Based Financial Planning—each customizable across five service tiers. These options ensure you receive precisely the support you need at a price that fits your budget.
Core Values Driving Our Services:
- Transparency: Clear pricing and no hidden agendas.
- Accessibility: Solutions for individuals and families at every financial stage.
- Customizability: Tailored plans that evolve as your circumstances change.
- Adaptability: A dynamic system that grows with you, supporting your priorities over time.
Why Our Approach Works
Many financial advisors focus on selling products or prioritizing high fees for complex plans. It’s also not uncommon for advisors to increase their fees according to client income.
At KF, we’ve developed a system that prioritizes your goals while keeping costs fair and transparent. Here’s how:
- Goal Prioritization: When resources are limited, we help you focus on today’s most important goals while planning to revisit others as your financial situation improves.
- Tiered Flexibility: As your needs change, you can move between tiers, reducing fees when your plans become less complex or adjusting support as new goals arise.
- Long-Term Savings: By focusing on cost-effective strategies, we help you save more over time, creating exponential benefits for your financial future.
Take the Next Step
Ready to take control of your financial future? Explore our interactive charts below to find the right service type and tier for your needs.
Brief Overview of Service Types:
- Ongoing Financial Planning: For clients seeking a collaborative, long-term relationship. This includes regular plan reviews, decision-making support for major financial choices, and access to a financial planning portal. Learn more
- Self-Guided Financial Planning: A comprehensive option for tech-savvy individuals and families who want professional guidance to build a detailed financial plan while maintaining control over its ongoing management. Includes collaboration on the initial plan, access to the planning portal, and flexibility to make adjustments independently over time. Learn more
- Project-Based Financial Planning: A short-term engagement for those needing actionable direction on their current financial situation. Includes a comprehensive plan with up to 90 days for adjustments but no ongoing support or portal access. Learn more
Note: Both Self-Guided and Project-Based plans account for a single financial plan based on today’s circumstances. Additional plans in the future may incur separate fees.
Compare your Financial Planning Options
| Ongoing Financial Planning | Self-Guided Financial Planning | Project-Based Financial Planning | |
|---|---|---|---|
| Services and Planning Options | |||
| Type of Support | Ongoing Engagement (1+ reviews per year) | Periodic (1 Review every 2-3 years) | Up to 90 days after plan delivery |
| Access to Planning Portal | Yes | Yes | No |
| Includes Financial Coaching | Yes | No | No |
| Includes Financial Counseling | Yes | No | No |
| Military/Veteran, First Responder, Educator Discount | 5-10% | 5-10% | 5-10% |
| Tier-based | Yes | Yes | Yes |
| Guidance on large purchases and/or financial decisions | Yes | No | No |
| Tax-Efficient Strategies | Yes | Yes | Yes |
| College Planning | Yes | Yes | Yes |
| Legacy Planning | Yes | Yes | Yes |
| Retirement Planning | Yes | Yes | Yes |
| Engagement Type | Dependent on KF with regular reviews (Relationship) | Semi-independent with periodic reviews (Hybrid) | Client, with Kinetic Financial, periodically |
| Customization | Fully tailored to current and future needs | Fully tailored to current needs with client-driven adjustments | Tailored at delivery but static thereafter |
| Ideal for | Clients seeking hands-on, proactive guidance; clients who prefer discussing changes or large purchases with a professional prior to making decisions; clients who feel unsure about their financial knowledge/decision making | DIY clients who value a safety net and periodic reviews, clients who don’t need/want annual reviews; clients who are rather comfortable with their ability to make financial decisions | Clients who simply need a one-time plan; Clients who are financially knowledgeable and very comfortable with their ability to make independent financial decisions; Clients who only want to meet every few years after major life-changing events |
| Primary Responsibility for Planning Tasks | |||
| Providing all necessary financial/estate documents | Client | Client | Client |
| Reviewing Client Path-Plan Alignment | Kinetic Financial | Regular and ongoing support and guidance to help keep client on proper path at all times | Client |
| Kinetic Financial’s deliverables | Regular and ongoing support and guidance to help keep client on proper path at all time | Safeguard/Overwatch: Contact client if probability of success falls outside guidelines | Minimal; provides initial info for plan creation |
| Client Roles | Collaborative; ongoing reliance on advisor expertise | Hybrid; manages execution with minimal advisor input | Independent; provides initial info for plan creation, and implements plan without advisor reviews |
| Fee for new plan after initial plan delivery | No | Yes | Yes |
| Linking financial accounts to planning portal | Required | Optional | No |
Ongoing Financial Planning
Kinetic Financial provides continued support throughout plan implementation. Each client receives an individualized plan according to their own unique needs. All clients receive annual reviews, where Kinetic Financial and the Client go over the plan to determine if any changes need to be made, confirm contact information, ensure the Client is on track to meet their goals, etc. Kinetic also provides Client support on large purchases and expenses throughout. For example, if a Client is in the market for a new car, home, boat, etc., then Kinetic Financial provides support by helping client determine affordability and budget limits that would have the lowest impact on their financial plan, and may provide other types of applicable analysis or insight before the Client’s decisions.
Ongoing Financial Planning Fees & Details
| Fee Schedule | Bronze | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|
| Initial (nonrefundable) | $375.00 | $950.00 | $1,350.00 | $2,250.00 | $4,900.00 |
| Monthly | $75.00 | $225.00 | $458.00 | $792.00 | $2,083.00 |
| Quarterly | $215.00 | $625.00 | $1,306.00 | $2,256.00 | $5,938.00 |
| Semiannual | $405.00 | $1,215.00 | $2,473.20 | $4,514.40 | $11,873.10 |
| Services Included | |||||
| Financial Planning Portal | Yes | Yes | Yes | Yes | Yes |
| Financial Coaching Sessions | 1 | 2 | 3 | 4 | 4+ |
| Financial Counseling Sessions | 1 | 1 | 2 | 3 | 4+ |
| Annual Reviews | Yes | Yes | Yes | Yes | Yes |
| Semiannual Reviews | No | No | Yes | Yes | Yes |
| Quarterly Reviews | No | No | No | Yes | Yes |
| Number of Goals | 1-2 | 2-3 | 4-6 | 7-9 | 10+ |
Self-Guided Financial Planning
Kinetic Financial creates an initial financial plan and provides the Client with access to a financial planning portal for implementation and follow-through. Kinetic Financial does not provide annual reviews, but does go over the plan with the Client every 2-3 years (depending on service tier). The Client has the primary responsibility of adjusting their financial planning portal according to individual changes, including but not limited to changes in income, new accounts, new/changes in financial goals, and tax planning analysis. The number of goals included with each tier is determined by the number of goals included in Kinetic Financial’s initial plan, with the possibility of being included in follow-up reviews. Client Discretion: The reason Kinetic Financial uses the number of financial goals to determine tiers is because of the impact that each additional goal has on the financial plan’s complexity. Should the Client need Kinetic Financial to recreate or create a new plan due to the impact of new goals input by the Client, then the Client may be responsible for a fee associated with creating a new plan.
Self-Guided Financial Planning Fees & Details
| Fee Schedule | Bronze | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|
| Split Fee: Initial Fee | $450 | $1,150 | $2,125 | $3,048 | $6,180 |
| Split Fee: Completion Fee | $450 | $1,150 | $2,125 | $4,575 | $9,270 |
| Single Fee | $855 | $2,185 | $3,925 | $6,860 | $13,905 |
| Single Fee Discount | 5% | 5% | 7% | 10% | 10% |
| Monthly Subscription Fee | $55 | $75 | $95 | $125 | $250 |
| Services Included | |||||
| Financial Planning Portal | Yes | Yes | Yes | Yes | Yes |
| Number of Goals | 1-2 | 2-3 | 4-5 | 6-7 | 8-10 |
| Planning “Overwatch” | Yes | Yes | Yes | Yes | Yes |
| Periodic Reviews | Yes | Yes | Yes | Yes | Yes |
Project-Based Financial Planning
Kinetic Financial creates an initial financial plan with the Client and provides the plan to the Client in writing. The Client does not get access to a planning portal and is responsible for implementing the agreed-upon plan. Project-based plans may be defined as point-in-time based on the Client’s goals and circumstances, along with economic and market data deemed most relevant through the development of the Client’s plan.
Project-Based Financial Planning Fees & Details
| Fee Schedule | Bronze | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|---|
| Split Fee: Initial Fee | $500 | $925 | $1,875 | $2,680 | $4,120 |
| Split Fee: Completion Fee | $500 | $925 | $1,875 | $4,020 | $6,180 |
| Single Fee | $950 | $1,757 | $3,487 | $6,500 | $9,250 |
| Single Fee Discount | 5% | 5% | 7% | 10% | 10% |
| Number of Goals | Retirement for 1-2 | 2-3 | 4-5 | 6-7 | 8-10 |
| Financial Planning Portal | No | No | No | No | No |
| Ongoing Support | No | No | No | No | No |
Planning Portal
Each year, our planning portal is updated to account for the latest changes in macroeconomic factors for more accurate long-term projections, such as inflation rates, price returns of various asset classes, Medicare costs, long-term care, education costs, average dividend rates for various stock categories, and tax rates and tax laws. Planning portal has the same functions as a budgeting app, but also includes projections for retirement income, investment growth projections, tax planning, education planning, and other key areas.