Cash Flow & Income
- Cash flow and liquidity
- Income timing
- Bonuses, commissions, and business distributions
- Equity compensation
- Savings priorities and major upcoming expenses
One-Time Financial Plan
A clear financial plan for your next big decisions.
You don't need an ongoing financial advisor to benefit from comprehensive financial planning.
The One-Time Financial Plan is for people who want an experienced advisor to look at the whole picture, identify opportunities, work through important decisions, and give them a clear path forward — without committing to an ongoing relationship.
Starting at $3,500
When you want advice, not another account to manage.
A one-time planning engagement can be a good fit when your financial life has become more complicated, but you still prefer to handle the implementation yourself.
You may be:
- Earning significantly more than you were a few years ago and want your financial strategy to catch up.
- Managing bonuses, business income, equity compensation, or other variable income.
- Trying to make smarter decisions around taxes, investments, retirement, or cash flow.
- Facing a major financial decision and want an experienced second set of eyes.
- Wondering whether the different parts of your financial life are actually working together.
The goal isn't to tell you what to do with every dollar.
It's to help you understand what matters most, what your options are, and what you should do next.
Start with the whole picture.
Good financial decisions rarely happen in isolation.
A decision about a business distribution can affect your taxes and investment strategy. An equity-compensation decision can affect cash flow, taxes, and long-term wealth. A retirement contribution can have implications for both your current tax bill and future income.
That's why we look at your financial life as a connected system rather than reviewing one account at a time.
Depending on your situation, your plan may include:
Tax Strategy
- Tax-planning opportunities
- Roth conversion considerations
- Tax-efficient investment decisions
- Coordination with your CPA
Investments & Retirement
- Investment strategy
- Asset allocation and risk
- Retirement savings
- Retirement income considerations
Risk & Protection
- Insurance coverage
- Risk management
- Emergency reserves
Estate & Legacy
- Estate-planning considerations
- Beneficiary designations
- Coordination with your estate attorney
Business Owners
- Business cash flow
- Owner compensation and distributions
- Business-related financial decisions
- Succession and liquidity considerations
We don't assume every client needs everything above. The plan is built around your questions, your circumstances, and the decisions in front of you.
What the engagement looks like
01
Start with a conversation
We begin with a 30-minute introductory call.
We'll talk about what's happening in your financial life, what prompted you to reach out, and what you're hoping to accomplish.
There are no documents to prepare and no homework for the first call. It's simply a conversation to see whether working together makes sense.
02
Build your financial picture
If we decide to move forward, we'll gather the information needed to understand your financial situation.
We'll organize your accounts, income, cash flow, investments, insurance, tax information, and other relevant details in RightCapital.
The goal is to get everything in one place so we can see how the pieces fit together.
03
Analyze the opportunities
This is where the planning work happens.
I'll analyze your financial picture, identify opportunities and potential gaps, evaluate trade-offs, and develop recommendations based on your goals and circumstances.
I'll also organize the key issues so our plan presentation focuses on the decisions that matter most.
04
Review the plan together
We'll meet for a dedicated plan presentation.
Rather than handing you a report and asking you to figure it out yourself, I'll walk you through the recommendations and explain the reasoning behind them.
We'll use the visuals in RightCapital to make the numbers easier to understand and discuss the trade-offs involved in different decisions.
You should leave the meeting knowing what we recommend, why we recommend it, and what your options are.
05
Leave with clear next steps
At the end of the engagement, we'll agree on a course of action — or identify the decisions that still need more thought.
You'll receive a written summary of the recommendations and action items so you have a clear reference for what comes next.
That might include actions for you to take, questions to bring to your CPA or attorney, or decisions that don't need to be made yet.
What you get
A plan you can actually use.
The goal isn't to create a 100-page financial report that gets filed away.
The goal is to give you a clear understanding of your financial picture and a prioritized set of recommendations you can act on.
At the end of the engagement, you'll understand:
- Where you stand today.
- Which financial decisions deserve attention first.
- Where opportunities may exist.
- How different decisions affect one another.
- The trade-offs you're making.
- What actions to take next.
- Which questions belong with your CPA, attorney, or other professional.
- What doesn't need to happen yet.
You get the advice. You decide how to implement it.
What happens after the plan?
That's up to you.
Some clients take the recommendations and implement everything themselves.
Many decide they would rather have someone in their corner throughout the year.
If you want ongoing financial planning and implementation support, you can continue into Ongoing Planning.
If you also want professional investment management, Wealth Management combines ongoing planning with portfolio management.
You don't have to decide that when you start.
The One-Time Financial Plan can stand on its own.
Your financial plan doesn't have to end with your investment portfolio.
For many people, the most important financial decisions have little to do with picking investments.
They involve questions like:
- How much should I keep in cash?
- How should I handle a large business distribution?
- Should I exercise my equity compensation now or wait?
- How much should I be putting into retirement accounts?
- What can I do to reduce my tax bill without creating a bigger problem later?
- Are my investments actually aligned with the rest of my financial life?
- Can I afford to make this decision?
These are the kinds of questions the One-Time Financial Plan is designed to help you answer.
Common Questions
One-Time Financial Plan questions.
Do I have to move my investments to Licata Financial Design?
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No. The One-Time Financial Plan is a planning engagement. You can implement the recommendations yourself and keep your existing investment relationships.
Do I receive a written financial plan?
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The plan primarily lives in RightCapital, where we organize and analyze your financial picture. We'll review the recommendations together during your plan presentation, and you'll receive a written summary of the key recommendations and action items afterward.
The goal is clarity and action — not a thick report.
Can the plan include tax planning?
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Yes. Tax considerations are an important part of many financial decisions. We can identify tax-planning opportunities and coordinate with your CPA when appropriate. Licata Financial Design does not provide tax preparation or legal services.
How long does the process take?
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The timing depends on the complexity of your situation and how quickly we receive the information needed for the analysis. We'll establish the expected timeline when we begin.
What if I decide I want ongoing help?
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You can transition to Ongoing Planning or Wealth Management after completing the One-Time Financial Plan. There's no requirement to make that decision upfront.
Is $3,500 the final fee?
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$3,500 is the starting price. More complex planning engagements may have a higher fee based on the scope of work. We'll agree on the specific fee before beginning.
Keep Exploring
Where to go next.
Get Started
Ready to get a clearer picture?
If your financial life has become more complicated — and you want an experienced advisor to help you make sense of it — let's talk.
Content should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific situation.