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Financial Planning

A living plan that guides every decision, not a binder on a shelf.

Financial planning at Up Capital is a working model of where your money is today and where it can take you, updated as your life changes. It is the foundation that investments, tax, and estate decisions are all built on.

We start with your life, not your accounts: what you are actually trying to build, and the probability your plan gets you there. Then we keep it current, because a plan that does not move with your life stops being useful the moment it is printed.

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One plan, sequenced across the decisions that arrive in order — each one made with the ones after it already in view.

What we’re optimizing for

Knowing the answer before the decision arrives.

Most people do not want a plan. They want to stop wondering. The work is oriented around turning the open questions into ones you can actually answer.

01

You know whether the retirement you want is funded.

A number you can see, pressure-test, and revisit as things change, rather than a feeling that it is probably fine.

Instead of: A gut sense, checked once, years ago.

02

You know where the income comes from.

Which account you draw from, in what order, and what each choice costs in tax, mapped before you stop working, not during.

Instead of: Working it out the year the paychecks stop.

03

You know what happens if it goes sideways.

Retiring two years early, a thirty percent drawdown, a health event. We model the hard scenarios while they are still hypothetical.

Instead of: Finding out in real time.

What’s included

The work, in detail.

01

Life discovery and values mapping

A structured process that maps how your life is set up around money, not just your accounts. We want to understand who you are before we build anything.

02

Retirement income planning

A clear plan for how you will turn your assets into income, in what order you draw from each account, and how to make your money last as long as you do.

03

Goal modeling

Built around real outcomes: retirement, education, legacy, and major purchases, with probability-of-success modeling so you can see how your plan holds up.

04

Scenario and what-if planning

What happens if you retire two years early? What if markets drop 30%? We model the decisions before you have to make them.

05

Cash flow analysis

A clear picture of where your money comes from and where it goes, so we can identify gaps, opportunities, and the right savings rate for your goals.

06

Social Security strategy

When to claim, how spousal benefits interact, and how the decision affects your lifetime income. Getting this right can be worth tens of thousands of dollars.

07

Medicare and IRMAA planning

Enrollment timing, Part B and D choices, and managing your income to avoid the Medicare surcharges that quietly inflate costs for higher earners.

08

Insurance and risk review

A review of your life, disability, long-term care, and umbrella coverage to make sure the risks that could derail your plan are properly managed.

09

Equity compensation planning

RSUs, stock options, and ESPP require careful coordination with your tax plan. We build a strategy around your vesting schedule and concentration risk.

10

Education funding

529 planning, superfunding strategies, and coordination with your overall plan so saving for college doesn't compete with saving for retirement.

11

Living plan and client portal

Your plan updates as your life changes. A dedicated portal gives you access to your goals, accounts, and plan in one place, on any device.

Services vary by client situation and engagement. Not all services listed are available to every client. Additional services are available beyond those listed here.

Learn the terms

Concepts that come up in financial planning.

Common questions

Financial Planning, answered.

What does a financial plan include?

Retirement income planning, goal and scenario modeling, cash flow analysis, Social Security and Medicare timing, insurance and risk review, equity compensation, and education funding, coordinated in one living plan.

How often is my plan updated?

Continuously. Your plan updates as your life changes, and we review it with you on a regular cadence. It is a living model, not a one-time project delivered and shelved.

Do I need $1 million to work with you?

We work best with households at $1 million or more in investable assets and the complexity that comes with it, though we occasionally make exceptions for families approaching that threshold quickly.

How long does it take to build my plan?

The first month is discovery and onboarding: aggregating accounts, gathering documents, and completing the initial inventory. The plan itself is typically built over the following two months, with implementation beginning around month four.

What do you need from me to get started?

Access to your account statements, your most recent tax return, and any existing estate documents. We handle the aggregation and the analysis. Most of what we need from you is conversation about what you are actually trying to build.

Is the plan a document, or something I can log into?

Both. You get a dedicated portal with your goals, accounts, and plan in one place, on any device, and it updates as your life changes. The plan is a living model, not a PDF that goes stale the week it is delivered.

How is this different from the planning my current advisor already does?

The difference is usually coordination rather than competence. Planning that sits apart from your investments, your tax strategy, and your estate documents can only optimize one piece at a time. We do all four, so a decision in one is made with the other three in view.

The other three

It only works coordinated.

Let's talk about your financial planning.

The first conversation is short, no obligation, and oriented toward fit.

See if you're a fit