Additional Financial Planning Guidance for Clients Includes
Develop a Plan to Pay Down Debt
Student Loans & Education Savings
The Moratorium on Student Loan Payments May Reduce Your Loan
Retirement Plan Options for the Self-Employed
How to Rollover Old Retirement Accounts
Comparing Health Insurance Plans
Special Tax Write-Offs When You Sell Your Home
Target Date Funds vs Picking Your Own Retirement Funds
Rental Real Estate
Understanding the Deductibility of Rental Real Estate Loss
Are We the Right Fit for Each Other?
We serve the types of small businesses described below and hold the following beliefs about financial planning and investing. Do you share these views?
Type of Small Business We Serve
Self-employed women solo practitioner or you may have a few employees
In the business of providing a service (i.e. writer, researcher, project manager, pollster, consultant, etc.)
Aim to create a more just and equitable society.
Client Motivation and Commitment
Want to improve personal and business financial circumstances.
Want to prepare now to better position for future financial opportunities
Want to learn and ready to take action.
Passive Investment Style
No one can consistently beat the market.
Staying the course during down markets is better in the long-term than selling if you have time to wait for a potential market rebound .
Prefer low-cost diverse allocation of exchange traded funds (ETFs) and/or mutual funds than riskier securities.
Nature of Planning Relationship
Building a relationship over time and addressing overall personal and business financial circumstances yields more impactful financial results than piecemeal transactions.
Comfort with technology as financial planning services are provided virtually.
Email support, quarterly virtual check-in meetings, monthly content on financial topics.
Fee-only, fiduciary advisor who does not sell insurance nor make commissions.
5 Step Financial Planning Work Flow
Annual fees for financial planning range from $1,560 - $6,240, which are paid in monthly payments that range from $130 - $520 per month.
Hi, I’m Dawn,
I’m a fee-only fiduciary financial planner & investment advisor. I advise clients on the practical use of their financial resources to effectively accumulate, protect, and distribute wealth according to family goals.
I lived and experienced my fair share of socioeconomic inequities, due to America’s by-design economic marginalization. My eight siblings and I grew up in public housing where money talk was limited because the buck rarely stretched far enough. As an adult, I didn't have trusted sources to turn for understanding my retirement plan, buying my first home, managing student loan and other debt or buying insurance. Given this, I’ve always gravitated toward work on social justice issues.
Of the causes I worked on, financial literacy tugged my heart the most. I became a Certified Financial Education Instructor and began volunteer teaching in low-income communities. This work was my gateway to financial planning. The financial literacy course materials gave broad overviews of basic financial concepts. After some courses, adult students would come up to me with their documents wanting to understand their retirement plan or some financial document they received from a bank or a government. Teaching financial literacy alone didn’t equip me to handle such matters, unlike financial planning. Therefore, I registered started working as a financial planner. While doing this work, I came to see that understanding next-level financial strategy is like a superpower. I helped better position clients financially by educating them and showing them how to more effectively manage money.
Now, I am a fee-only solo financial planning and registered investment advisor (RIA) fiduciary dedicated to helping small business owners solve the financial matters they face every day. I work with small business owners because, I remember when I started my consulting firm over 10 years ago, how hard it was to find trusted financial sources. I needed to know about the appropriate legal structure for my business, health plan options, business insurance, bookkeeping, retirement savings and self-employment taxes. By no means am I the only solo entrepreneur who feels overwhelmed by all these responsibilities in addition to providing stellar service to my clients.
Like others who lack solid financial know-how, I made a combination of cringe-wrothy financial mistakes and smart money moves. Thankfully, I've made more sound financial decisions than bad ones. Through the ups and downs, I figured out how to be my own boss while working only on causes I truly care about and thriving financially. This is my idea of success. What's yours?
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My credentials include: