Clear, Transparent & Ongoing
Step 1
Clarity Call
A focused conversation to understand your situation, the decisions in front of you, and what matters most.
We explore where things feel clear, where they don’t, and whether a structured planning process makes sense.
Step 2
Confirm & Schedule Discovery
If there’s alignment, we define the scope of work and move forward with a planning engagement.
The initial portion of the planning fee is collected, and your Discovery session is scheduled.
This marks the transition from conversation into structured planning.
Step 3
Plan Creation
We work through a structured planning process designed to organize your financial life and bring clarity to key decisions.
This includes understanding your full financial picture, exploring options, and building a coordinated strategy aligned with your priorities and timing.
Each plan draws from key focus areas:
- Cash flow and account structure
- Tax awareness and coordination
- Risk and protection planning
- Investment strategy and organization
- Retirement and distribution strategy
- Beneficiary and estate coordination
- Decision timing and tradeoff clarity
Each area is organized in context, not treated in isolation.
Step 4
Implementation
Decisions move into action through a clear and supported process.
We help organize next steps, coordinate implementation, and ensure each piece is aligned and executed with intention.
Step 5
Refine, Adjust, and Ongoing Support
As life evolves, decisions evolve with it.
We remain available as a decision partner, helping refine the plan, adjust strategies, and maintain clarity over time.
Ongoing work aligns with the level of support and implementation needed.
“When you fall in love with the process, you will fall in love with what the process creates.”
- Jon Gordon
Initial Planning with Ongoing Implementation
Planning begins with a one time planning fee designed to organize your financial life, provide relevant education, and bring clarity to key decisions.
The planning fee is generally $3,500. More complex situations may require additional scope, which is discussed during the initial conversations. The fee is structured as two payments, 50% upfront and 50% upon delivery of the plan.
Planning is completed over three to six sessions. After the plan and recommendations are delivered, clients may choose to move forward with implementation and ongoing support. This may include investment management, advisory guidance, or insurance solutions.
Ongoing support is provided through advisory fees for investment management or commissions related to insurance implementation, depending on the services used.
Clients who continue working with Breathe Capital Planning receive ongoing refinement and guidance as life evolves, without the need for additional planning fees.