Fully Immersed
Financial Planning
Let’s ensure you’re on the right track for financial peace of mind.
If something is off, it is much better to catch it quick! Think messing up beneficiaries, not having enough life insurance to cover your family in the event of an early death, moving old retirement accounts if they’ve been in employer plan too long,
These packages are the the TRUE diagnostic scan of your entire financial life.
You’re busy, so let me take over as your financial planning professional.
You’re the woman that has it ALL going on. You’re incredibly busy, either with a family, a job, or both. You’re super savvy but maybe don’t have the time or bandwidth or knowledge to really ensure everything is working together. You may be a high achiever and have a lot of unique offerings (i.e. deferred compensation, stock options) from your job that need figuring out.
Enter: Blue Otter! I am the advisor that can analyze, organize, point out gaps, and create an action item list. I can identify areas of improvement and explain why those areas would matter to her after listening to her talk about her personal life and goals. And then I help her execute on those items.
Leave our sessions knowing you’re on the right track.
Package #1
The Financial Snapshot
Get a clear picture of where you stand: A snapshot of your finances that shows you exactly where you are today and what's ahead.
fee: $4,000 (can be paid in three installments)
The Financial Snapshot gives you a current picture of your finances, including your savings rate, insurance coverage, cash flow, and long-term projections. This service is a great fit if you're comfortable managing the day-to-day and just want an expert view of where you stand and where you're headed. You're confident handling implementation on your own, though hands-on support is available afterward at $500 per session if you'd like extra help along the way.
Wondering if it’s right for you? Schedule a complimentary consultation and we can talk it through together.
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Timeline: about 4-6 weeks, depending on scheduling
1 discovery session to explore your goals, values, habits and current financial position
Snapshot analysis covering your savings rate, investment allocation, insurance coverage, and cash flow
Personalized recommendations and financial projections presentation
Implementation is yours to run with. Add hands-on support anytime afterward for $500 per session
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Since the Financial Snapshot wraps up at plan presentation, implementation is in your hands from there. If you'd like extra support putting the plan into action — things like opening accounts or joining calls to help facilitate transfers — you can add sessions anytime at $500 each.
If you'd rather have ongoing check-ins instead, you're welcome to schedule sessions within one year of your discovery call: $200 per session for monthly meetings, or $250 per session for quarterly meetings.
Package #2
The Financial Blueprint
Take control of your full financial plan: A plan that brings together cash flow analysis, investment allocation, retirement planning, and education planning — plus hands-on help bringing it to life.
fee: $6,000 (can be paid in four installments)
The Financial Blueprint includes everything in the Financial Snapshot, plus education planning, side-by-side scenario comparisons, and investment allocation recommendations tailored to your goals. This tier is a great fit if you want more than a point-in-time picture. You're ready to model out different paths forward and want support translating the plan into action.
Wondering if it’s right for you? Schedule a complimentary consultation and we can talk it through together.
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Timeline: 6-9 months, depending on scheduling
1 discovery sessions to explore your goals, values, financial habits, and current financial position
Complete financial analysis covering income, spending, savings, debt, investments, education funding and insurance
Scenario modeling to compare different paths toward your goals
Personalized recommendations and financial projections presentation
4 follow-up sessions to help you implement the plan- including account opening and joining calls to facilitate transfers
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Your four implementation sessions are built in and completed within six months of your plan presentation. After that, you're welcome to continue meeting at $200 per session (monthly) or $250 per session (quarterly) within one year of your discovery call.
An annual recurring meeting is the minimum to maintain an active plan.
Package #3
The Legacy Plan
Planning for your whole financial life: A plan that ties together portfolio distributions, retirement and estate planning, long-term care, and tax strategy- plus hands-on help to bring it to life.
fee: $8,000-$10,000 (can be paid in six installments)
The Legacy Plan builds on the Financial Blueprint with retirement distribution planning, long-term care considerations, estate planning, and tax strategy, including Roth conversions. This package is a great fit if your situation calls for more depth: you're navigating retirement income decisions, thinking about long-term care, or want your estate and tax strategy woven into the plan.
Wondering if it’s right for you? Schedule a complimentary consultation and we can talk it through together.
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Total timeline: 9-12 months, depending on scheduling and scope
1 discovery session to explore your goals, values, financial habits, and current financial position
Complete financial analysis covering income, spending, savings, investments, and insurance
Portfolio distribution planning, long-term care and estate planning considerations
Tax strategy analysis
Scenario modeling to compare different paths toward your goals
Personalized investment allocation strategy aligned with your time horizon and risk tolerance
Personalized recommendations and financial projections presentation
6 follow up sessions to help you implement your plan
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Your six implementation sessions are built in and completed within six months of your plan presentation. After that, you're welcome to continue meeting at $200 per session (monthly) or $250 per session (quarterly) within one year of your discovery call.
An annual recurring meeting is the minimum to maintain an active plan.
Your finances are an ecosystem.
I will help you look at your entire financial picture, so that it functions as a cohesive system, with each part working together seamlessly. We will ensure this runs smoothly and consider your unique personal accounts and ways YOU like to handle money. The goal is a financial life that feels organized, efficient, and clear.
I can’t wait to help you!
Get your finances on track with Lenet Rivas, CFP®
There is so much financial information readily available: on social media, articles, and everywhere in your feed. Even with this information at your fingertips, most women have lingering questions about how to apply the topics to them and their situations or still need a dedicated professional.
I’m here to help with either providing a 1:1 consultation, personalized budgeting, and even financial planning. Reach out to get the conversation started!