The calendar has flipped, the holiday buzz is behind us, and now it’s time to focus on you. Whether you’re ready to tackle lingering debt, finally build that savings cushion, or take bold steps toward your dream life, there’s no better time than now to get started.

Let’s be honest, navigating finances can feel overwhelming. You’ve got questions, competing priorities, and maybe even a little voice in the back of your head saying, “Where do I even begin?” A solid financial plan is your roadmap to clarity and confidence, helping you transform your big dreams into actionable steps.

At Spero Financial Group, we’re all about meeting you where you are. Whether you’re starting from scratch, refining a DIY plan, or diving deep into long-term goals, we have a service tailored to your needs.

Here’s how we can help you create a game plan for 2025 that feels empowering, achievable, and 100% aligned with your goals:

Annual Planning

Cost: $4,000

Our Annual Planning package helps you create a personalized roadmap for your financial future. We’ll review your current finances, identify your goals, and develop a custom plan covering everything from investments to taxes and retirement. With quarterly check-ins and a Year-in-Review session, we’ll keep you on track and adjust as needed. It’s about taking the right steps to achieve your dream life.

This plan includes:

• Quarterly check-ins to ensure progress.
• A Year-in-Review session to assess achievements and set new goals.
• Guidance on investments, tax planning, retirement, estate planning, and more.
• It’s not just about numbers—it’s about creating a life you love with the confidence that your finances are on the right track.

DIY Plan

Cost: $2,500

The DIY Plan is perfect if you’re confident managing your finances but want expert guidance on complex areas. We’ll review your financial situation, identify goals, and create a personalized, easy-to-follow plan for managing your money, investments, taxes, retirement, and more.

Even if you’re managing things independently, the plan also includes a Year-in-Review session at the end of the year to check in, ensure everything is going as planned, and make adjustments as needed, giving you the insights you need while keeping you in control.

You’ll receive:

• A detailed assessment of your financial situation.
• A personalized plan covering financial management, investments, and risk mitigation.
• A clear list of action steps to follow for the year ahead.

This plan is ideal for those who want expert advice while maintaining full control over their financial journey.

The Starter Plan

Cost: $499

Starts with a 90-minute session focused on tackling your most pressing financial concerns, like managing income, budgeting, or reducing debt. We’ll assess your current challenges, set clear goals, and create a practical, step-by-step plan to help you make progress.

After the session, you’ll receive a detailed follow-up with actionable advice and strategies to stay motivated and overcome obstacles. This plan is perfect if you’re feeling overwhelmed or stuck—no judgment, just support and guidance to help you take control of your finances.

This session will help you:

• Identify your most pressing goals.
• Address challenges or roadblocks.
• Create a roadmap for managing your finances in the short term.

After our session, you’ll receive a follow-up report with personalized recommendations to help you move forward with confidence.

Starter Plan Add-Ons

Having a plan is great, but where the real value lies for success is in accountability and having someone to talk things through with. If that’s what you need to stay on track and make lasting progress, I offer flexible check-in options to keep you motivated and supported:

• 30-Minute Check-Ins: $150 per session
• Quarterly Check-Ins (4 sessions): $499
• Monthly Check-Ins (12 sessions): $1,350

These add-ons ensure you have the support and guidance you need to stay focused and achieve your goals.

Project-Based

Hourly Rate: $300

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.

One-Hour Session

Cost: $300

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.

It’s Time to Take the First Step

The new year is the perfect time to hit the reset button, refocus your priorities, and take meaningful steps toward building the financial future you’ve always wanted. No matter where you’re starting from—whether you’re just beginning to explore financial planning or you’re ready to fine-tune your strategy with expert advice—there’s a service here tailored to your needs.

Imagine moving through 2024 with clarity and confidence, knowing you’ve taken the time to plan for what matters most. Let’s turn those big dreams into actionable steps and set you on the path to success. Reach out today to schedule your session and make this year your most financially empowered yet!