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Financial Planning

Flat Fee Planning For Bay Area Families & Tech Professionals

Plan Your Retirement Income, Equity Compensation, Taxes & More -  Without Moving Your Accounts.

Independent | 20+ yrs experience | $3,200 Flat Fee

A 15–20 minute call to clarify your top priorities and see if a fit. No obligation.

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Best Fit For:

Pre and early retirees (55–65) who want a tax‑smart, reliable paycheck from savings.

Dual Income Bay Area families balancing retirement, taxes, and stock compensation.

Tech professionals with RSUs/ISOs/ESPPs who don’t want their net worth tied to one stock.

What you get:

What you get:

Walk away with a clear plan you can execute anywhere:

  • Priority action plan so you know what to tackle first.
  • Retirement income plan for Social Security, pensions, IRA's and taxable accounts.
  • Investment analysis for tailored account allocations.
  • Tax planning strategies to better reduce lifetime taxes. 
  • Insurance & estate gaps for common mistakes.
  • Employer Stock Strategy for ISO's, NSO's, RSU's & ESPP plans.
  • Projections and “what‑if” scenarios.
  • Direct, one-on-one access with your planner.

Flat Plan Cost: $3,200

No requirement to open accounts or move assets.

Written quote before you decide.

We may adjust for more complex situations.

Frequently Asked Questions

A few common questions about how the planning process works.

No. This is a standalone, flat-fee engagement. You can implement anywhere.

Typically 3–5 weeks from kickoff to final presentation.

Yes—planning decisions align with your tax and estate strategy.

Yes—we align grant/vest schedules, tax timing, diversification, and 10b5-1 plans.

We can scope a second-opinion review; you’ll get a fixed quote before deciding.

Yes. You can implement yourself or retain us for ongoing guidance.

Want clarity and plan you can follow? Call 650-458-0312

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Our Process — Financial Planning | New Stage Investment Group

Our Process

Plan Your Life & Money

  • Define your goals and priorities
  • Build a working cash‑flow plan
  • Track your net worth over time
  • Fund a right‑sized emergency reserve

Invest & Keep More

  • Align investments to your goals and risk
  • Create your retirement income plan
  • Use tax‑smart saving and withdrawals
  • Pay down high‑interest debt strategically

Protect What Matters

  • Review life, disability & long term care
  • Put guardrails around “What‑if” risks
  • Align documents & titling to your goals
  • Design a legacy that helps—without creating dependence.

Explore Financial Planning Topics

Highlights of key areas we cover. Open any topic to see examples.

Financial Position Get a clearer picture of where you stand and what to do next.
  • Goal alignment & net worth trend
  • Cash flow, budgeting and savings plan
  • Smart debt strategy & emergency reserve check
Retirement Turn savings into a paycheck that lasts.
  • Social Security & pension timing
  • Withdrawal strategy across 401(k)/IRA/Roth
  • Tax‑aware income plan and retirement timeline
Investments A portfolio built for your goals and risk.
  • Risk & portfolio analysis; stress test
  • Personalized allocation & diversification
  • Cost/performance review and tune‑ups
Tax Planning & Employer Benefits Keep more of what you earn.
  • Tax‑aware portfolio & trading decisions
  • Asset location (what goes in which account)
  • Stock options/concentrated positions; optimize benefits
Insurance & Protection Protect the plan from the unexpected.
  • Right‑sized life & disability coverage
  • Long‑term care strategy
  • Policy review + beneficiary alignment
Estate & Family Make sure what you want happens.
  • Gifting & legacy (family/charity)
  • Trusted control during incapacity
  • Smooth, tax‑aware transfer at death
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Have a Specific question about financial planning?

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For more information about working together or other services we offer, please send us an email or call our office. We welcome the opportunity to speak with you!

hello@newstageinvestment.com | (650) 458-0312

New Stage Investment Group® and LPL Financial do not offer tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor. We reserve the right to adjust our plan pricing based on complexity and needs of the client. 

1.This penalty may be reduced to 10% if the missed RMD is taken within a specific timeframe, typically within two years of the missed distribution. Source: IRS.gov