Let’s talk about financial planning—the kind that actually works with your life instead of feeling like a one-size-fits-all rulebook. At Spero Financial Group Inc., our Annual Planning Package is designed to meet you exactly where you are, giving you the tools, guidance, and flexibility to achieve your goals—whatever they may be.

Setting financial goals can feel overwhelming. Maybe you’re not sure where to start, or you have a dream in mind but can’t quite figure out the numbers. That’s where we come in. We know life is constantly changing, which is why we approach financial planning as dynamic and flexible. It’s not about creating a rigid plan that becomes irrelevant the moment something shifts. Instead, we build strategies that adapt as your life evolves.

With our Annual Planning Package, we put stakes in the ground—benchmarks to help you see where you’re headed and measure your progress. It’s also a chance to check in on your goals. Are they realistic based on your current circumstances? Or do they need a little tweaking?

This package covers everything you can think of:

• Saving for your kids’ education
• Buying that dream vacation home
• Starting your own business or stepping back from full-time work
• Traditional retirement planning
• Preparing for the unexpected (as much as anyone can!)

We look at the whole picture, from day-to-day money management and lifestyle costs to savings, investments (like real estate or private equity), tax strategies, risk management, and estate planning. We also focus on the here and now with short-term moves that align with your long-term goals, helping you answer the question, “What do I do next?”

When life throws a curveball—because it will—we’re here to help you pivot. Whether it’s a big life change or just a tweak to your plan, we’ve got your back.

The best part? It’s all fully customizable. Need to collaborate with your accountant or other professionals? We’ll make it happen. Some clients check in every year, while others opt for a lighter touch every couple of years when they’re in “coast mode.”

The cost for the package is $4,000 per year, which includes 15 hours of planning time (and trust us, most plans take 15–20 hours, so you’re getting great value). Plus, if you invest with Spero, your management fees can lower or even eliminate planning fees altogether:

• $125 off planning fees for every $15,000 invested
• Invest $500,000, and your out of pocket planning fees disappear completely

We’re here to make financial planning feel less intimidating and more like a conversation about what’s possible. Let’s figure out where you want to go and create a plan that works for your life!