Invest in Your Life Money Balance Journey
LMB® One-Time
Starting at $7,000
Onboard Fee: $1,500
- 3 month engagement
- 5 meetings
- Email and virtual support
- Individuals implement their plans
LMB® Ongoing
Starting at $8,400
($700/month)
Onboard Fee: $1,500
- 6 first year meetings
- 3 next-year meetings
- Unlimited email and virtual support
- Collaborative plan implementation
LMB® Financial Coaching
For Household Incomes Not Exceeding $250K
Our transformational personal finance course delivers wealth-building and well-being education, helping you achieve your life goals and empower your finances.
We will host a 3-day LIVE online course called “Spring Into Your Finances” across April 23, 24, and 25 using 90-minute power sessions.
LMB®
One-Time Process
All virtual meetings
Step 1: Good Fit
30 minutes
Schedule a complimentary relaxed conversation where we listen and understand your “why” and readiness.
Get acquainted with our Life Money Balance® approach and how we best serve our clients. Together, we will determine if we are good planning partners.
It’s okay if we determine we do not fit. We will refer you to a firm that better aligns with your needs.
Our next meeting calendar: 3 days to one week
Step 2: Discover & Understand
60 minutes
We listen and understand better where you are now and where you aspire to go. We explore and collect your stories, values, needs, and numbers to help you unlock your vision of life and financial well-being abundance.
We use this information to build an engagement proposal that demonstrates value and best serves your journey.
Our next meeting calendar: 3 days to one week
Step 3: Think & Decide
We email you a summary of our collaboration that contains mutual expectations, how we can best serve you, and the service fee.
Sign and send your engagement letter and onboarding documents to inform us of your commitment to your journey forward and our planning partnership.
Step 4: Collaborative Plan
Step 5: Signature LMB® Mind Your Money
Your identity matters—past, present, and future.
We engage, discuss, and review human-focused exercises to help advance your financial freedom journey.
Information from the human discovery process is the glue that aligns life and money through financial planning and across life’s course.
Step 6: Present & Discuss Your LMB® Plan
During our relaxed and collaborative conversation, you experience more confidence and clarity in your journey. We present our initial recommendations for your LMB® Plan across all the life & money components outlined in prior discussions and partner with your life planning. You experience an open discussion that evokes partnership and offers adjustments that reflect your aspirations.
We provide a snapshot of your net worth to understand your position and resources. We provide actual and vision statements of income, savings, and spending flexibility and freedom. We suggest investment strategy and allocation that promotes your wealth-building and retirement stages. We summarize and offer guidance on insurance policies, estate planning, employee benefits, and student loans and identify tax savings opportunities.
Many other components to address are unique to your pathways, such as charitable giving, small business analysis, equity compensation, and more. Together, we identify short and long-term priority focus areas, carry forward, and generate small yet significant wins.
Step 7: Review Your LMB® Plan
60 minutes
Accountability: Your life is the key to unlocking success, so let’s meet at a strategic point to track your progress. Let’s celebrate victories and make adjustments if something isn’t working right. Let Life Money Balance® guide your way!
LMB® Ongoing Process
Phase 1
LMB® One-Time Process
Implementation: Life can be busy, but your finances don’t have to suffer. Our Signature Step of Accountability ensures you don’t miss a beat in achieving your plan goals.
We won’t let anything fall between the cracks — from follow-ups and meetings that give you peace of mind about what comes next for your finances!
Move Your LMB® Plan Forward
We email you a summary of our collaboration that contains mutual expectations, an LMB® Program, service fee, and how we can best serve you. Take time to think about your “why” and your pathway to investment in life and financial freedom.
Ask, “can Concurrent be the trusted community and home where I feel heard, seen, and valued and receive collaborative advice that increases my likelihood of building wealth to attain my version of life abundance?”
When you feel ready, sign and send your engagement letter and onboarding investment to inform us of your commitment to your journey forward and our planning partnership.
Phase 2
Season 1: Winter
(90 minutes)
Winter allows us to examine + arrange planning + create tasks to amplify your upcoming year.
- Review completed Life Money Balance progress + set next year’s LMB optimize later priorities + maximize life now plans
- Review one-page money progress report containing net-worth + savings + spending
- Examine asset allocation across investment accounts
- Review tax standing + draft tax return for CPA partnership
- Consider equity compensation strategy
- Track + adjust spending trends
Season 2: Summer
(60 minutes)
- Tackle student loan + stock option + restricted units + special life transition events
- Examine asset allocation across investment accounts
- Track + adjust spending trends since last Season
- Address + accomplish unattended life planning (estate, insurance, wealth building, business, etc.)
- Discuss LMB® Mind Your Money progress + identify new areas of address
Season 3: Fall
(90 minutes)
- Primary annual meeting to review and revise major financial areas + life stage events that are top of mind.
- Begin tax projection + year-end tax planning process
- Review mid-year spending trends + make adjustments
- Review saving + investment pace and asset allocation; modify if needed
- Discuss maximizing life now aspirations + priorities
- Assess financial freedom progress report in financial planning portal; track pathway
- Analyze employee benefits + prepare for open enrollment
Our Plans Bring Confidence And Clarity To Your Finances
We help you find life and money alignment to give your money assignments. Here are the Finances and Freedom Areas of Address we cover with you to seize control of your life and money without reservation.
Collaborate with your Modern Financial Planner
Begin your freedom and flexibility quest. Start creating your life’s design that aligns your aspirations and personhood with your money.
Fill out your Life Money Balance® profile to schedule our good fit call.
Start to maximize your life now and optimize your life later.