Thinking about getting your finances in order for the new year? Now is the perfect time to plan ahead. By booking your financial planning sessions before year-end, you can lock in this year’s pricing, even if we don’t begin until after the holidays.

Starting in January, prices will increase—but for good reason. I’ve recently earned my Certified Financial Planner (CFP) designation, which means I’m even better equipped to guide you through complex financial decisions. This isn’t just about investing; it’s about partnering with a professional who understands your unique goals and can help you avoid costly missteps.

Let’s get you set up for success in the new year!

Annual Planning

Our Annual Planning package gives you a clear, personalized plan for your financial future. We’ll start with a thorough review of your current finances—looking at cash flow, net worth, taxes, and potential risks. Through guided conversations, we’ll help you identify your goals, priorities, and any blind spots or challenges you might face.

Many people have a vision for their dream life but struggle to turn that into specific financial steps. That’s where we come in. We’ll create a custom, easy-to-follow plan tailored to you. This covers everything from managing your money and investments (including real estate and business planning) to taxes, retirement, estate planning, and risk management.

You won’t be left on your own. We’ll give you a step-by-step action plan for the next 12 months and help you stay on track. With quarterly check-ins and a Year-in-Review session, you’ll see your progress and set new goals for the year ahead.

Financial planning isn’t just about investing—it’s about defining what you want from life and taking the right steps to get there. With expert guidance, you can avoid costly mistakes and keep moving forward.

Cost: $4,000
Book before December 31st and save: $3,000

DIY Plan

The DIY Plan is perfect if you’re comfortable managing your own finances but want a professional review of the more complex areas. We’ll start with a detailed look at your current financial situation, including cash flow, net worth, tax efficiency, and any potential risks.

Through guided conversations, we’ll help you clarify your goals, priorities, and any blind spots that might be holding you back. Many people know what they want their future to look like but struggle to translate that vision into specific financial steps. We’re here to bridge that gap.

You’ll receive a customized, easy-to-follow plan covering key areas: financial management, investments, tax planning, retirement, estate planning, and risk management. We’ll also provide a clear list of actions to take over the next 12 months to stay on track.

After we create your plan, we’ll meet to go over the details, answer any questions, and ensure you’re ready to take the lead. A Year-in-Review session will help you reflect on your progress and set goals for the year ahead.

This plan gives you expert insights while allowing you to stay in control.

Cost: $2,500
Book before December 31st and save: $1,850

The Starter Plan

The Starter Plan is a 90-minute session designed to tackle your most immediate financial concerns and goals. Whether it’s managing your income, budgeting, reducing debt, or building savings, we’ll address what matters most to you. We’ll also help identify and overcome any bad habits or negative self-talk that might be holding you back.

After our session, you’ll receive a detailed follow-up report with:

• A clear list of your financial goals.
• An honest assessment of your current challenges and pain points.
• Practical advice on how to prioritize your goals, with a step-by-step guide to keep you motivated throughout the year.
• Strategies to navigate obstacles—both real and perceived—so you can regain control of your financial life.

This plan is ideal if you feel like your finances are too “messy” to tackle alone. Think of it as a pre-planning session, designed to build confidence and momentum. If you’re experiencing financial anxiety or feel overwhelmed by rising costs and fears of falling behind, you’re not alone—we’re here to help.

No judgment, no audits—just practical guidance in a supportive, down-to-earth environment. We’ll help you start small, take one step at a time, and break through both mental and real roadblocks.

Cost: $499
Book before December 31st and save: $449

Starter Plan Add-Ons

Sometimes having a plan isn’t enough—you might need ongoing support to stay on track. I offer flexible check-in options to keep you motivated and accountable:

• 30-Minute Check-Ins: $150 per session
• Quarterly Check-Ins (4 sessions): $499 ($449 if booked before Dec. 31)
• Monthly Check-Ins (12 sessions): $1,350 ($999 if booked before Dec. 31)

These check-ins are a great way to get guidance, stay focused, and make steady progress toward your goals.

Project-Based

This option is perfect if you need expert advice on a specific aspect of your finances but aren’t ready for a full financial review. Whether you’re considering buying a rental property, navigating pension options after leaving a job, or nearing retirement and want to ensure your savings will last—I’m here to help.

Pricing is quoted individually based on estimated hours of work.

Hourly Rate: $300
Special Rate: $225 if booked before Dec. 31

One Hour Session

This is a fast-paced session where you can bring all your personal finance questions and get them answered by a CFP professional. Whether you’re curious about markets, investment options, tax planning, real estate, small business strategies, pensions, insurance, retirement planning, debt repayment, or anything else—no question is off-limits.

Cost: $300
Special Rate: $225 if booked before Dec. 31

Additional Note:

At Spero Financial Group, we also offer in-house investment management and life and health insurance services. This allows us to manage multiple aspects of your financial planning under one roof. If you’re interested in learning more or would like to inquire about these services, click here!