Retirement planning
When you can retire, how much income to expect and which accounts to draw from first.
Fee-based financial planning
A written financial plan you can actually follow.
Retirement planning, cash flow and budgeting, education savings, tax-aware saving and estate planning basics for individuals, couples and small business owners. Flat fees, written plans and no products to sell.
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Sample image- Flat feesQuoted before we start
- Written planIn plain language
- No productsTo sell you
- Yearly reviewIncluded in ongoing plans
Services
What we plan
Retirement planning, cash flow and budgeting, education savings, tax-aware saving and estate planning basics for individuals, couples and small business owners. Flat fees, written plans and no products to sell.
Cash flow and budgeting
A clear picture of what comes in and goes out, and a savings plan that fits your month.
Education savings
How much to set aside for children's education and which accounts to use.
Tax-aware saving
Which accounts to save in and in what order, coordinated with your accountant.
Estate planning basics
Beneficiaries, wills and powers of attorney checklists, with referrals to a lawyer when you need one.
Business owner planning
Salary or dividends, saving through your company and planning for selling or stepping back.
Pricing
Planning fees
Focused plan
$1,200 one-time
- One topic, such as retirement or cash flow
- 2 meetings
- Written plan
- 30-day follow-up email
Most popular
Full plan
$2,800 one-time
- Retirement, cash flow, tax and estate basics
- 3 to 4 meetings
- Written plan with a range of outcomes
- Action checklist
Ongoing
$175/month
- Full plan in year one
- Yearly plan review
- Email questions anytime
- Mid-year check-in
Flat fees plus tax, quoted in writing after a free call. No commissions. No return is promised; markets go up and down.
How it works
How it works
Free 20-minute call
Tell us what you would like to plan for. We explain how we work and quote a flat fee.
Gather the details
You upload statements and answer a short questionnaire through our secure portal.
Build your plan
We model your situation with cautious assumptions and a range of outcomes.
Walk through it together
You get a written plan in plain language and a checklist of next steps.
Sample imageAbout us
Advice without a sales pitch
Ledgerpine is a small fee-based planning office. We charge a flat fee for your plan and do not earn commissions on investments or insurance, so our advice is about your situation, not a product. Your plan uses cautious, stated assumptions and shows a range of outcomes. Markets go up and down, and no one can promise a return, so we plan for the years that do not go well too.
- Flat fees Quoted before we start
- Written plan In plain language
- No products To sell you
- Yearly review Included in ongoing plans
Our team
Who you'll see
Financial planner
Retirement and estate planning basics for couples and families. 16 years in practice.
Financial planner
Small business owners, cash flow and tax-aware saving.
Planning associate
Gathers your documents, builds the first draft and keeps your file organized.
Reviews
What customers say
For the first time we know roughly when we can retire and what has to happen to get there.
Margaret and Ian H. · Full financial plan
No sales pitch at all. Just a clear plan and a checklist I worked through over a weekend.
Kofi A. · Focused retirement plan
They sorted out how to pay myself from my company and worked directly with my accountant.
Sandra L. · Business owner planning
FAQ
Common questions
How are you paid?
By flat fee only. We do not earn commissions on investments or insurance, and you see the fee in writing before we start.
Do you manage investments?
No. We give you a plan and recommendations, and you keep your investments where they are or move them if you choose. We can work with your current advisor.
What returns will my plan assume?
We use cautious assumptions and show you a range, including below-average years. Past returns do not predict future ones, and no return is promised.
What do I need to bring?
Recent statements for your accounts, pensions and debts, your latest tax return and a rough idea of your monthly spending. We send a checklist.
How long does a plan take?
Usually three to five weeks from the first meeting to your plan presentation, depending on how quickly documents come in.
Can we meet online?
Yes. Most meetings can be by video, and documents are shared through a secure portal.
Visit
Hours and location
| Mon–Thu | 9:00am–6:00pm |
| Fri | 9:00am–3:00pm |
| Sat–Sun | Closed |
| Evenings | Video meetings by appointment |
Map (sample)
Book a free 20-minute call
Call, email or send the form and we'll get back to you, usually within one business day.
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