Financial Planning for People Who’d Rather Do Anything Else

You’ve saved diligently, lived within your means, and maybe even accumulated more wealth than you expected.
But now, new questions keep you awake:

Can I quit working when I want?
Am I set up properly to send my kids to college without jeopardizing my future?
Is my current financial strategy working, or is there something better?

I’m here to provide the clarity you crave and help you answer these questions confidently.

Lanning Financial Approach

Questions First, Then Action

Financial planning shouldn’t feel like following a math formula. It should feel like finding the right answers to your questions.

I begin by listening and digging into what really matters to you. Whether you’re planning for Phase 3 of your life, funding your kids’ education, or trying to make smarter investment choices, my approach is grounded in your real-life possibilities.

I help you:

Get clarity on your financial future, so you always know where you stand.
Feel confident about your money decisions without second-guessing or wondering if you’re doing it right.
Protect and grow your wealth without being overwhelmed by complex financial jargon.
Plan for the unexpected, from family changes to market shifts.
Focus on what brings you joy by taking the stress of financial planning off your plate.

Take Control of Your Financial Future

You deserve a clear path to financial security

Service Plans

A Closer Look at Our Services

Core Services	Comprehensive Services	Advanced Services
Minimum $2,000,000 in investable assets	Minimum $3,000,000 in investable assets	Minimum $5,000,000 in investable assets
Investment recommendations Quarterly asset allocation review Quarterly performance reports Annual tax and cost-basis reporting Yearly updates and reviews Online dashboard of accounts Spending tracker Consolidated online account access	CORE SERVICES + Tax minimization on investments Optimizing required minimum distributions Maximization of Social Security benefits Maximization of pension benefits Basic Medicare decision-making analysis Determining the order and source of withdrawals Estate planning documents review Roth conversion analysis Business owner support (taxes, prep for sale, etc.)	COMPREHENSIVE SERVICES + Advisor coordination (CPA, attorneys, etc.) Support completing the annual tax organizer Comprehensive Medicare analysis Long-term care decision-making support Divesting concentrated positions Deferring capital gains taxes Advanced estate planning opportunities Charitable giving, planning, and funding Family legacy planning and meetings Deferred compensation Stock options/RSUs Net unrealized appreciation

Transparent Pricing. No Surprises.

Most people I work with are happy to pay for good advice, but they don’t want to be blindsided or confused about the costs. I get it. So, here’s the honest breakdown of what you can expect to pay and what you’ll get in return.

Initial Planning and Onboarding Fee

All new clients receive a custom financial plan before any investment work begins. No planner should suggest an investment plan without knowing what purpose that money serves.

Cost: $3,599–$6,000
How it’s paid: $500 deposit upfront; the rest at your final planning session
Why: It gives us both clarity before we move forward with anything else

Ongoing Advice & Investment Management

Ongoing support, reviews, portfolio oversight, and access to my team.
Typical Annual Cost: ~1.5% all-in (includes investment management + planning)
How it works: Fees are billed quarterly in advance and deducted directly from your accounts
Fee range:
$2M–$3M: 0.95%
$3M–$5M: 0.85%
$5M+: Custom fee based on complexity

What You Get

Investment strategy and rebalancing
Tax strategy and ongoing analysis
Quarterly updates and annual reviews
Access to your full account dashboard
Coordination with attorneys, CPAs, and other pros (Advanced Tier)
Regular check-ins and support when life changes

Stop Putting Off Your Financial Future

It’s time to feel confident about your money

You Deserve a Financial Thinking Partner

You’re smart enough to handle your finances alone, but why would you want to? You deserve someone who can:

Answer the tough questions clearly and confidently.
Keep an eye on the big picture while you enjoy your life.
Connect you with vetted professionals (CPAs, attorneys, insurance specialists)
when needed.

I intentionally limit my practice to fewer than 70 households in California and Utah so I can offer you personalized attention, deep expertise, and genuine partnership.

Common Questions, Real Answers

FAQs

How do I know which financial plan is right for me?

Your service level is determined based on your overall financial picture, planning complexity, and investible assets. To explore whether we’re a good fit and understand what’s appropriate for your situation, start by filling out our brief questionnaire.

What if I don’t meet the investment minimum?

We understand that not everyone fits the same financial mold, and we don’t see people as bags of money. If you’re close to the minimum or have unique circumstances, let’s talk. We occasionally make exceptions for those with significant real estate assets or a clear path to the minimum.

How does the planning process work?

We start with a brief questionnaire to understand your financial picture and determine whether we’re a good fit. If we’re a good fit, we’ll reach out to schedule a one-hour introductory conversation to explore your goals and what working together could look like. From there, we’ll outline the next steps tailored to your situation.

How do I know your plan will work for me?

We start with your real life, not someone else’s idea of what a financial plan should look like. I work with a small number of clients, so I can pay close attention to your needs, your family, your business, and all the little details that don’t always make it onto paper. That’s how we build a plan that feels clear, doable, and completely your own.

Looking to defer capital gains tax?

We have a comprehensive video that outlines a capital gains deferral strategy.