What to Expect
As a client of Tandem, you can expect personal conversations about your life and finances. We’ll talk about how you’ve established your financial habits so far, where you’d like to be and why, and together we’ll outline a plan that works for you. We always start with "Why" before we get to "How" because the way you make decisions, the things you value, and how you feel about money are uniquely your own. There is no cookie-cutter solution that's right for everyone.
Tandem offers financial planning services three ways:
Answers-As-Needed - Single engagement, modular financial planning to fit your immediate needs.
Financial Coaching - Ongoing goal-setting and accountability.
Financial Guidance - Ongoing comprehensive planning and detailed analysis.
A good financial planner is your personal advocate and accountability partner. Regardless of which service you choose, the main objective is always to determine what is right for you and to build a customized action plan tailored to your situation and life.
Tandem is a fiduciary, which means you can rest assured that the advice you receive has been crafted in your best interest. As a Fee-Only advisor, Tandem never receives any commissions or sales incentives of any kind. Our only product is our service to you, and you’re the only one paying for the advice you receive.
Tandem is based in the middle of the map, but we use online scheduling, video conferencing, and collaboration tools to work with clients across the country.
ANSWERS AS-NEEDED
Get quick answers to your big questions! Great for an annual check-up or a second opinion.
What Do I Get?
- 30 Minute Discovery Call
- 60 Minute Consultation
- Follow-up Report & Action Steps
- 30 Days of Email Access to Financial Planner
What Do We Cover?
You choose the focus! We typically have time to cover one or two broad topics OR one detailed analysis.
Choose from topics like:
- Help me get organized!
- Which student loan option is right for me?
- Is my 401(k) properly invested?
- Help me enroll in my employee benefits!
- Did I pick the right insurance?
- Help me evaluate a job opportunity!
- Should I go back to Grad School?
- Help me understand my investments!
- Can you give me a second opinion?
What Does It Cost?
- $500+ per Session
*Longer one-time projects may be negotiated at a fixed or hourly rate.
CASH FLOW COACHING
Build on your good habits with accountability! Focus on goal-setting and making smart financial decisions all year long!
What Do I Get?
- 30 Minute Discovery Call
- 60 Minute Initial Coaching Session
- 30 Minute Coaching Session Every 3rd Month
- Follow-up Report & Action Steps
- Access to Financial Coach Year-Round
- Online Dashboard to Track Progress
What Do We Cover?
- Net Worth
- Cash Flow & Spending
- Savings Strategy & Cash Reserves
- Debt Management & Credit
What Does It Cost?
- $300+ to get started, then
- $100+ per Month
*Monthly Coaching Fee is based on 0.10% of annual income per month (minimum $100)
*Initial Engagement Fee is based on 3x the monthly coaching fee (minimum $300)
FINANCIAL GUIDANCE
Comprehensive Financial Planning to cover your entire financial life. Focus on life-planning and achievement!
What Do I Get?
- Two 60 Minute Discovery Meetings
- 60 Minute Quarterly Focus Meeting
- Follow-up Report & Action Steps
- Access to Financial Planner Year-Round
- Online Dashboard to Track Progress
What Do We Cover?
- Net Worth
- Cash Flow & Spending
- Savings Strategy & Cash Reserves
- Debt Management & Credit
- Investing in Your 401(k)
- Employee Benefits
- Investment Planning
- Retirement Planning
- Tax Planning
- Insurance Planning
- Education Funding
- Estate Planning
What Does It Cost?
- $600+ to get started, then
- $200+ per Month
*Annual Planning Fee is based on 1% of Annual Income + 0.50% of Net Worth and is payable monthly (min $200 / month)
*Initial Engagement Fee is based on 1/4 the annual planning fee (min $600)