Flat Fee Financial Planning & Investment Management
Services
You don’t need another list of financial things to manage. I help you make the decisions that matter, manage the investments you want to hand off, and keep the rest of your financial plan moving throughout the year.
Most clients already save, invest, contribute to retirement accounts, own a home, and have built meaningful wealth.
They reach out because higher income, more accounts, better benefits, taxes, kids, and career decisions have created more to keep track of.
Here’s what I help manage.
Cash flow & big decisions
Decide how much to spend, save, invest, give, and keep in cash while planning for bonuses, childcare, travel, home projects, major purchases, and career changes.
Tax planning
Make tax decisions before the year is over.
That may include your 401(k), HSA, backdoor Roth IRA, charitable giving, investment gains and losses, equity compensation, and coordination with your CPA.
Executive comp & employee benefits
RSUs, stock options, bonuses, deferred compensation, ESPPs, and employer benefits can create a lot of moving pieces.
I help you decide what to keep, what to sell, what to use, and how those choices affect taxes and the rest of your plan.
Investment Management
You can hand off the accounts you want me to manage.
I handle portfolio design, implementation, rebalancing, tax aware investing, and ongoing monitoring while keeping your investments connected to the rest of your plan.
If you prefer to manage some accounts yourself, that’s fine too.
Insurance
I review life, disability, umbrella, home, auto, and health insurance to help you understand what you need, what you may be missing, and where you may be paying for coverage you don’t need.
Retirement & College
Figure out how much you need to save for later without automatically sacrificing everything you want to do now.
That includes retirement, work optional planning, 529 plans, and deciding how much of your children’s education you want to fund.
Estate planning
I help you get the financial side of your estate plan organized, including wills, trusts, guardianship, beneficiary designations, account titling, and the information your family would need if something happened to you.
I coordinate with your estate attorney when legal work is needed.
Your CPA, attorney, and other professionals
Your financial decisions shouldn’t live in separate silos.
I can work directly with your CPA, estate attorney, and insurance professionals so everyone is working from the same picture.
★ ★ ★ ★ ★
“I feel so much more at ease with my finances thanks to Spenser and Motif Planning. Spenser is an incredible financial planner who truly takes the time to understand not just the numbers, but also my thoughts and feelings around money (which were a lot). He helps align my current situation with my goals for the future in a way that feels approachable and empowering.
He is very detail-oriented and goes in depth on all areas of our finances—from home and auto insurance, to retirement plans, household bills, and even setting aside “fun money.” His expertise makes me feel confident that no stone is left unturned, and that my financial future is bright.
Beyond his professional skill, Spenser is simply a good person. He’s easy to talk to, genuinely cares, and is someone I consider not only a trusted advisor, but also a friend. I highly recommend him to anyone looking for guidance and peace of mind with their finances.”
– Sara M., client since 2023
Disclosure: Motif Planning has not provided any compensation for the testimonials shown. The testimonials shown have been selected from among all client feedback. To our knowledge, no other conflicts of interest exist regarding these testimonials. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success. View all reviews at Wealthtender.
What working together looks like
1. 15 minute call
We talk briefly about why you’re reaching out, what you’d like help with, and if a longer conversation makes sense.
2. 60 minute conversation
We have more time to talk through what’s on your mind, what you’d like to hand off, and what you want your money to support.
If you’re married or partnered, both of you should attend this meeting.
3. Decide
If you’d like to work together, I’ll send the agreement and we’ll get started.
4. Get organized
You’ll upload your financial documents to a secure client portal.
5. Fact check & vision meeting
We’ll make sure I understand the details, then talk about your priorities, tradeoffs, and what you want your money to make possible.
6. Build your plan
I review everything and put the pieces together.
7. Review the plan
We’ll walk through what I found, talk through the decisions, and prioritize what happens next.
8. Put it into action
I’ll help you implement the plan and transition any investment accounts you want me to manage.
9. Ongoing planning
We continue throughout the year as taxes, benefits, investments, work, and family life change.
You don’t have to wait for a scheduled meeting when something comes up.
What ongoing planning looks like
Financial planning doesn’t stop once you have a plan.
We typically meet in the spring and fall around the decisions that tend to matter most at those times of year.
Between meetings, I’m reviewing your plan, managing investments, following up on open items, and available when something changes.
A new job. Bonus. Open enrollment. RSU vest. Tax question. Home purchase. New baby. A decision you didn’t expect six months ago.
★ ★ ★ ★ ★
“Spenser is an amazing financial planner! He took the time to not only learn everything about our finances, but to get to know us, our experiences with money, our goals, and our personalities. He is smart, kind, and a great person to have on your side. Our future feels more secure and stable with his advice and planning.”
– Hilary V., client since 2024
Disclosure: Motif Planning has not provided any compensation for the testimonials shown. The testimonials shown have been selected from among all client feedback. To our knowledge, no other conflicts of interest exist regarding these testimonials. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success. View all reviews at Wealthtender.
RightCapital dashboard preview
You don’t have to manage every part of this yourself
If you’d like someone helping you make the decisions, managing what you want to hand off, and keeping track of what comes next, start with a 15 minute call.
No prep required.