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LifeGuide Hourly

Hourly Planning & Advice Services

Pay only for the time you need.
No AUM fees.

Prefer to manage your own portfolio but concerned about blind spots? Already working with an investment advisor but want a second opinion? Already have a financial plan but want it to better reflect your Christian faith? Whatever your needs, LifeGuide Hourly provides you with fiduciary financial advice and guidance by the hour—tailored to your needs and rooted in biblical principles—all without any ongoing asset management fees.

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How does LifeGuide Hourly work?

All LifeGuide Hourly services are designed to provide you maximum flexibility—no minimums or long-term commitments. For defined projects, we’ll provide an upfront, “not-to-exceed” quote based on the scope and complexity of your situation. For help with specific questions or unique analysis requests, we offer à la carte, pay-by-the-hour support.

We stand behind all LifeGuide Hourly services with The LifeGuide Guarantee.

LifeGuide Hourly

Focused Engagement

Financial Plan & Portfolio Audit  

Typical Cost: $1,000 – $3,750 | quoted in advance

Whether you’re a DIYer or already working with another advisor, getting an objective, unbiased, independent review by an experienced CFP® professional fiduciary advisor (who isn’t trying to sell you anything!) can be incredibly valuable. A trusted second opinion can help you uncover new opportunities and avoid hidden pitfalls, allowing you to move forward with confidence or course-correct before it’s too late. We’ll provide a clear, “not to exceed” quote before beginning so you know exactly what to expect.

Some questions we can help you address:

  • Is my investment portfolio:
    • Set up to generate the retirement income I need?
    • Reflective of my values?
    • Structured to weather market fluctuations?
    • Tax efficient?
    • Appropriately diversified?
  • Does my current financial plan:
    • Have me saving the right amount in the right accounts?
    • Properly utilize tax-advantaged giving strategies?
    • Have my account beneficiaries and estate documents coordinated to reflect my wishes, avoid unnecessary taxes, and set my heirs up for success?
  • Am I missing anything as I plan for my retirement? (i.e., Roth conversions, Social Security, Medicare & RMDs)
Get Started ▸

Focused Engagement

Financial Plan & Portfolio Audit  

Typical Cost: $1,000 – $3,750 | quoted in advance

Whether you’re a DIYer or already working with another advisor, getting an objective, unbiased, independent review by an experienced CFP® professional fiduciary advisor (who isn’t trying to sell you anything!) can be incredibly valuable. A trusted second opinion can help you uncover new opportunities and avoid hidden pitfalls, allowing you to move forward with confidence or course-correct before it’s too late. We’ll provide a clear, “not to exceed” quote before beginning so you know exactly what to expect.

Some questions we can help you address:

  • Is my investment portfolio:
    • Set up to generate the retirement income I need?
    • Reflective of my values?
    • Structured to weather market fluctuations?
    • Tax efficient?
    • Appropriately diversified?
  • Does my current financial plan:
    • Have me saving the right amount in the right accounts?
    • Properly utilize tax-advantaged giving strategies?
    • Have my account beneficiaries and estate documents coordinated to reflect my wishes, avoid unnecessary taxes, and set my heirs up for success?
  • Am I missing anything as I plan for my retirement? (i.e., Roth conversions, Social Security, Medicare & RMDs)
Get Started ▸
LifeGuide Hourly

Comprehensive Engagement

Financial Life Planning Package  

Typical Cost: $4,000 – $18,000+ | quoted in advance

Designed for those who want a cohesive, comprehensive strategy while keeping full control of their investment accounts, our Financial Life Planning package brings clarity, coordination, and alignment across every area of your financial life. Whether your situation is relatively straightforward or highly complex, we tailor the scope and depth of the work to your needs. We’ll provide a clear, “not to exceed” quote before beginning so you know exactly what to expect.

  • Low Complexity: $4,000 – $7,500
    Usually between 10-20 hours
  • Moderate Complexity: $7,500 – $12,500
    Usually between 20-30 hours
  • High Complexity: $12,500 – $18,000+
    Usually 30 hours or more

Some questions we can help you address:

  • Am I on track? What’s my finish line?
  • How do I invest wisely based on my goals, values, and tax situation?
  • How can I leverage my business to benefit my family and the Kingdom?
  • When can I retire and do something I’m truly passionate about?
  • Is there anything I can do to reduce my taxes?
  • What do I need to know about RMDs, QCDs, DAFs, and Roth conversions?
  • How can I prepare for the next big market drop?
  • How do I maintain a biblical perspective on money?
  • How can I make sure my spouse will be ok if I die first?
  • How do I leave an inheritance that helps (and not hurts) my children and grandchildren?
  • How can I be faithful, intentional, and smart about giving?
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LifeGuide Hourly
LifeGuide Hourly

As-Needed Engagement

À la Carte Analysis & Advice  

Cost: $450/hour | Pay-as-you-go

Your agenda, your scope, no minimums, and no ongoing commitment. You’ll have access to a team led by a CFP® professional to provide specific advice and answer any questions you have. In short, get the guidance you need and only pay for the time you use!

Get Started ▸

As-Needed Engagement

À la Carte Analysis & Advice  

Cost: $450/hour | Pay-as-you-go

Your agenda, your scope, no minimums, and no ongoing commitment. You’ll have access to a team led by a CFP® professional to provide specific advice and answer any questions you have. In short, get the guidance you need and only pay for the time you use!

Get Started ▸
LifeGuide Hourly

LifeGuide Hourly at a glance

  • You’re in control – You retain full management of your investments.
  • Only pay for what you need – No asset-based fees, just professional guidance when you want it.
  • Holistic financial planning – Biblically-based, comprehensive advice on investments, retirement income, goal setting, and more.
  • Flexible check-ins – We’ll initiate regular review meetings to help keep your plan on track. No obligation—you decide whether to schedule them and only pay our hourly rate for the time you use.
  • Seamless transition to full-service – Keep full control of your investments now, with the option to easily transition to our full-service asset management in the future.

LifeGuide Hourly at a glance

  • You’re in control – You retain full management of your investments.
  • Only pay for what you need – No asset-based fees, just professional guidance when you want it.
  • Holistic financial planning – Biblically-based, comprehensive advice on investments, retirement income, goal setting, and more.
  • Flexible check-ins – We’ll initiate regular review meetings to help keep your plan on track. No obligation—you decide whether to schedule them and only pay our hourly rate for the time you use.
  • Seamless transition to full-service – Keep full control of your investments now, with the option to easily transition to our full-service asset management in the future.
LifeGuide Hourly

Who is LifeGuide Hourly right for?

  • An independent investor who wants to manage their own portfolio but would value a second opinion or professional validation
  • Someone already working with an advisor who provides investment management but lacks comprehensive financial planning
  • A couple preparing for the future who want to have a trusted advisor in place for a surviving spouse
  • Someone seeking professional financial advice without ongoing asset management fees
  • Anyone looking for guidance on applying countercultural, faith-based wisdom to their day-to-day financial management
LifeGuide Hourly

What we can help with

With LifeGuide Hourly, the floor is yours! We offer a wide range of financial planning services, and every engagement is tailored to your specific goals, needs, and questions, including:

Financial Life Planning
  • Vision, values, and goal setting based on Kinder Life Planning Institute process
  • Ongoing support, follow-up, and accountability

Cash Flow Planning
and Management

  • Establish income, spending, savings, and debt freedom targets; track progress
  • Budgeting and financial management system setup with ongoing support

Education Planning
  • Establish desired goals and required saving amounts for children, grandchildren,
    and great-grandchildren
  • Communication and coordination with family members
  • Financial aid strategies and advice

Generosity Planning
  • Determine available giving funds
  • Develop a personal giving statement and strategy
  • Create and manage personal financial “finish line”
  • Invite to LifeGuide-hosted Journey of Generosity (JOG) complimentary retreat
  • Tax-efficient giving strategies (Appreciated Asset Gifting, Donor-Advised Funds, Qualified Charitable Distributions [QCDs])

Estate and Legacy Planning
  • Initial and periodic review of estate documents
  • Collaborate with estate attorney to develop and communicate estate plan
  • Beneficiary review on all investment accounts, insurance policies, trusts, and wills
  • Educational resources for heirs

Protection Planning
  • Needs and affordability analysis of long-term care, life, disability, employer benefits, health, and identity theft insurances
  • Individual health insurance subsidy planning

Spiritual Financial Development
  • Structured curriculum, discussions, and life application suggestions
  • Complimentary books and resources

Retirement Income Planning
  • Social Security, pension, and employer benefit analysis and maximization
  • Statistically stress-tested lifetime cash flow plan and portfolio withdrawal rate analysis
  • Multi-scenario analysis (retirement dates, Social Security withdrawal strategies, large purchases, annual spending amounts, life expectancies, asset allocation strategies)

Tax Planning
  • Lifetime tax analysis and multi-year tax strategies
  • Required Minimum Distribution (RMD) reduction
  • Tax-efficient portfolio withdrawal planning
  • Optimized savings planning (Employer plans [401(k)] vs. IRAs vs. Roth vs. Non-Qualified)
  • Roth conversion analysis
  • Capital gain/loss harvesting analysis
  • Deduction bunching analysis and recommendations
  • Education credit optimization
  • Medicare surcharge planning

Portfolio Design and Construction
  • Investment portfolio optimization based on required and desired risk/return analysis (as determined by projected withdrawals and risk tolerance)
  • Cost, quality, social and moral conviction portfolio holdings analysis
  • Global asset location analysis
  • Time-based portfolio segmentation recommendations
  • Portfolio transition planning
  • Required minimum distribution management
  • Rebalancing strategy recommendations

Market Volatility Planning

  • Buy the Dip (BDP) & Sell the Recovery Progression (SRP) strategies
  • Market up/down buy and sell triggers

Frequently Asked Questions:
LifeGuide Hourly

Can I switch to a full-service relationship later?

Will I work with the same advisor each time?

How do billing and payments work under the hourly model?

How often can I meet with an advisor under the hourly model?

What are the costs after the initial financial planning process is complete?

What if I only need help with one or two specific questions? Do I really need to pay for an initial engagement?

What does the initial engagement typically include?

Does my family qualify for Survivor Assistance as a LifeGuide Hourly client?

Tier 1

Low Complexity

$2,500 – $5,000

For those with a straightforward financial picture who want coordinated planning across major areas, such as:

  • Retirement income strategy
  • Tax planning opportunities
  • Investment review and alignment
  • Basic estate and beneficiary coordination
  • Charitable giving guidance
  • Coordination with outside professionals

Tier 1

Moderate Complexity

$5,000 – $10,000

For those with multiple “moving parts” or planning needs that require deeper integration, such as:

  • Multi-source retirement income planning
  • Multi-year tax strategy modeling
  • Charitable giving and legacy planning
  • Business or rental income considerations
  • Coordination with attorneys, CPAs, or other advisors
  • Scenario modeling and what-if planning

Tier 3

High Complexity

$10,000 – $18,000

For those with highly complex financial lives and advanced planning needs, such as:

  • Business ownership or succession planning
  • Advanced estate and trust structures
  • Multi-entity or multi-generational coordination
  • Strategic giving (e.g., donor-advised funds, private foundations, etc.)
  • Detailed scenario analysis and high-level collaboration

How LifeGuide Hourly works

Phase 1:
Initial Planning Package

$4,000 – $18,000*

All LifeGuide Hourly engagements begin with a one-time, flat-fee tailored to your unique financial situation. Our time together could include anything from developing a comprehensive financial plan to reviewing specific planning areas like tax, retirement, or estate planning, coordinating with your existing professionals, or even helping you navigate a major financial decision.

Phase 2:
Ongoing Support

Hourly Rate: $450

Once your initial planning engagement is complete, we’re here whenever you need us! We’ll plan to initiate regular review meetings to help keep your plan on track. No obligation—you decide whether to schedule them and only pay our hourly rate for the time you use.

LifeGuide Hourly

Hourly Package 1

Portfolio Review Package  

Typical cost: $2,000 – $3,500 | Estimated time: 4–8 hours

A focused engagement designed for independent investors who want a second set of eyes. This is ideal for those looking for objective feedback on their current investment strategy or clarity around a specific decision.

This package includes:

  • Investment portfolio review and analysis
  • High-level risk and asset allocation assessment
  • Basic retirement savings check-up
  • Q&A on targeted financial questions

 

Get Started ▸

Hourly Package 1

Portfolio Review Package  

Typical cost: $2,000 – $3,500 | Estimated time: 4–8 hours

A focused engagement designed for independent investors who want a second set of eyes. This is ideal for those looking for objective feedback on their current investment strategy or clarity around a specific decision.

This package includes:

  • Investment portfolio review and analysis
  • High-level risk and asset allocation assessment
  • Basic retirement savings check-up
  • Q&A on targeted financial questions

 

Get Started ▸
Align your faith and finances
Get Started