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Financial Planning Services That Help You Feel in Control

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 retire 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 goals.

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.
  • Keep your life in balance 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.

  • 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

The right time is when you’re feeling stuck – when your research is leading to more questions than answers, or you’re questioning whether your current strategy is good enough. Sometimes, it’s just a gut feeling that it’s time to get a second opinion.

For many of my clients, that moment comes when they:

  • Realize retirement is closer than they thought and want to know if they’re prepared.
  • Start making more money than ever and feel the pressure not to mess it up.
  • Face big financial transitions, like buying a home or sending kids to college.
  • Worry that their current investment strategy might not be the smartest move.

If your instincts are telling you it’s time to talk, listen to them. It’s always better to get clarity sooner rather than later.

I get it—starting with a financial planner can feel intimidating. My process is designed to be calm and thoughtful, never rushed.

To get started, please complete this questionnaire so we can get a sense if we are potentially a good fit for working together. Our office will then be in contact with you to set up a no-cost, one-hour introductory call. By the end of that call, we will both decide if it makes sense for us to continue talking or if we should find you another resource.
If you choose to move forward with me, we will talk about next steps.
I could also do a video here about the financial planning process.

My investment philosophy is simple: Start early, stay flexible, and minimize risks where possible. It’s not about chasing the highest returns—it’s about making sure your money works for you without putting your future in jeopardy.

  • Purpose-driven investing: Your investments should have a clear reason behind them. Whether it’s retirement savings, college funds, or building wealth, we start by defining your goals.
  • Minimizing taxes: We look for ways to reduce your tax burden, from tax-free retirement income to strategic withdrawals.
  • Flexibility and adaptability: Life doesn’t follow a script. Plans need room to adapt without causing unnecessary stress or losses.
  • Diversification without the overwhelm: No one should be locked into a single philosophy or approach. We build a balanced strategy that spreads risk without overcomplicating things.

Looking to defer capital gains tax?

We have a comprehensive video series which outlines a capital gains deferral strategy.