Planning Services to Help You Navigate Today - and Design the Road Ahead.

Common Financial Planning Topic Areas:

Retirement Planning

Catch-Up Retirement Planning

Investment Planning

Estate Planning

Cash Flow Planning

Life Goals Planning

Executive Compensation

RSU / Stock Options Strategies

Tax Planning

Social Security Planning

Insurance Planning

Employee Benefits Review

College Planning

Pre-Marriage Financial Review

Large Purchase Planning

Credit Card Review

Hawthorne Wellman Financial Planning, LLC offers Hourly, Project Based, Comprehensive, and Ongoing Financial Planning Arrangements For the Following Services:

Gen X Retirement Planning

  • Catch-up contribution strategies

  • Social Security timing and income projections

  • Coordinated withdrawal plans

  • Debt payoff aligned with your retirement timeline

  • Lifestyle tradeoff planning for a flexible future

Cash Flow & Debt Management

  • Personalized spending plan with lifestyle alignment

  • Saving strategies

  • Planning for big expenses (college, life experiences, vehicles, etc.)

  • Goal prioritization

  • Debt payoff aligned with your retirement timeline

Investment Planning & Management

  • Portfolio allocation design

  • Tax-efficient investment strategies

  • 401(k) guidance

  • Account selection (Roth vs. Traditional, taxable, etc.)

  • Tax Loss Harvesting

  • Portfolio Rebalancing

  • Portfolio Montioring and Performance Reviews

Tax Planning Strategies

  • Roth conversion and tax bracket management

  • Minimizing capital gains and RMD exposure

  • Smart withdrawal sequencing

  • Planning for tax efficiency in retirement

Ongoing Financial Planning & Support

  • Annual or quarterly reviews

  • Support during major life transitions

  • On-call guidance for questions and decisions

  • Updated projections and tracking

Frequently Asked Questions:

  • Our Financial Planning Services are based on an hourly planning rate of $250. You can find more information on the price for our services HERE.

    Investment Management services are available to Financial Planning clients, however they are not required. (We are happy to work with clients who are inclined to manage their own portfolios.) The fees associated with our investment management services are listed on our FEE TABLE.

    Our fees are negotiable in some circumstances.

  • Yes.

  • Yes!

  • Our services are designed to provide reccomendations that are ready to be implemented in as little as a few hours for project-based planning packages, to as little as 12 weeks for our most time-intensive service of Comprehensive Financial Planning.

  • We are based in Massachusetts, and are available to meet either virtually or in-person here in New England, and virtually throughout the United States.

  • We provide financial planning services to people in their 40s and 50s who feel like they have a good income, but feel behind in saving for retirement or other financial goals. When we first talk to our clients, they usually say something like “I feel like I get paid well enough, but somehow I have no idea where my money is going!”

  • Yes. We provide optional Investment Management services to Financial Planning clients.

Questions before getting started?

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