Advice-only financial planning is exactly what it sounds like: tailored financial planning and actionable advice with no product sales or asset management. At HiFi Planning, we do not charge commissions or management fees based on a percentage of your assets (AUM). You retain full control over your finances while executing our recommendations.

We hit our stride in optimizing outcomes with equity compensation packages, including Incentive Stock Options (ISOs), Non-Qualified Stock Options (NSOs), Restricted Stock Units (RSUs), and Employee Stock Purchase Plans (ESPPs), and anything in between. HiFi Planning analyzes your equity comp package alongside your overall financial plan to develop an action plan and day-after strategy for your grant while proactively minimizing your tax liability.

While HiFi Planning is proudly based in Long Beach, California, we serve professionals all over the US through secure virtual engagements.

Our one-time Comprehensive Financial Plan covers your entire financial life, from cash flow to equity compensation to estate planning and everything in between, giving you a complete blueprint and action plan to fill in any gaps. Our Hourly Planning services are designed for specific questions, like reviewing a Roth conversion strategy, analyzing the tax impact of an option exercise, or assessing insurance coverage to name a few.

Our one-time Comprehensive Financial Plan engagements are quoted as a flat fee based on complexity, starting at $5k for an individual and $6k for a couple. Hourly Planning is billed at a flat $300 hourly rate with a 1-hour minimum. We never hide fees, take commissions, or charge asset-management percentages. You can also find these fees listed on our Services page.

Managing the Alternative Minimum Tax (AMT) is our bread and butter! For clients holding Incentive Stock Options (ISOs), we model a range of strategies based on different AMT outcomes, helping you get ahead of surprises at tax time.

While you maintain complete control of your investment accounts, HiFi Planning provides specific investment recommendations tailored to your goals, time horizon, and overall financial plan. You then implement the trades yourself within your preferred brokerage platform, saving thousands annually in asset management fees.

You were smart enough to earn your nest egg, and HiFi Planning takes the viewpoint that you’re smart enough to manage it!

Once you’ve signed on, our process begins with a deep dive into your goals, equity grants, and general financial life. Over a three-meeting process, we build your custom financial plan and deliver actionable recommendations. Expect to receive clear next steps for your investment portfolio, tax strategies, employee benefits, equity milestones, insurance coverage, and a whole lot more.

Need support afterward? We have you covered through our Hourly Planning services.

We serve early-to-mid-career professionals, tech employees, and executives who receive a meaningful portion of their income via equity compensation. Our clients value high-level, fiduciary advice and prefer the DIY approach rather than outsourcing their portfolio to a traditional percentage-based manager.

Yes, HiFi Planning operates as a fee-only fiduciary. Under the advice-only model, we are legally and ethically bound to act in your best interest at all times. Because we don’t sell financial products or manage client assets, our advice is entirely insulated from typical conflicts of interest.