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:
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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.
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Yes.
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Yes!
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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.
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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.
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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!”
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Yes. We provide optional Investment Management services to Financial Planning clients.
