I Really Need A Plan 


Getting to financial wellness is a journey.

You want to get really clear on where you’re going, the financial implications, and what you need to do to get there. Once you have it mapped out, you may decide you’d like someone to accompany you on the journey.

Sofia Financial has you covered either way.

You have competing demands on your financial resources.

You’re not sure how to address them all. These are very personal conversations.  It’s crucial to find someone you can be yourself with, someone who will put your needs first.


You know you should have a plan.

But you haven’t gotten around to it yet, or maybe you haven’t found the right people to work with.  Maybe you’ve made good progress on your own but need some help getting to the next level. Or someone else in your life has played this role and now you need to get knowledgeable so you can be in control.


We ask the crucial questions. 

Everything starts with understanding what’s most important to you and what you want to accomplish in life. We work through our detailed proprietary process to get clear on where you want to go and understand the multiple potential paths to get there. Our process is consultative, collaborative, and holistic.


One to help draw the map (The Itinerary), another to accompany you on the journey (The Expedition). The Itinerary is a fixed engagement with a limited scope. The Expedition is an ongoing partnership. See below for details.

THE ITINERARY is designed to draw the map for your journey to financial wellness.

The Itinerary provides a safe place to talk it all out, make sense of everything, figure out where you’re headed and how to get there. It includes four or five 1.5 hour face-to-face meetings. We collaborate on possible future paths. You emerge understanding how specific actions can affect your future so you can make informed decisions. We examine your personal patterns and money history so we can anticipate what might get in your way, and come up with strategies to deal with potential roadblocks.

Clarity on the path forward is powerful.

Cost for THE ITINERARY is:

$3000 for an individual
$3500 for a couple.

Optional budgeting/cash-flow segment $525.

THE EXPEDITION provides professional, compassionate accountability and expert guidance.

Many clients, once they have the map in hand, appreciate continuing relationship. We designed The Expedition to answer that need. We act as accountability partner, helping you think through the decisions that inevitably arise as you move through life.  It’s like having a financial planner as your friendly next-door neighbor, available whenever you have a question or concern.   With regular pro-active communication and on-call availability, you’ll experience less stress and increased confidence.

Partnership along the way keeps you on track.

In keeping with our mission to make quality, objective advice available to women at all levels of income and wealth, we offer three levels of service for THE EXPEDITION.












Education on Financial Topics




Goals Identification and Tracking




Cash Flow Analysis and Coaching




Debt Inventory and Management




Net Worth Tracking




Savings Sufficiency




Future Projections and Risk Review




 Investment Behavior Coaching




Retirement Income Planning




Social Security and Medicare planning




Financial Decision Support



Investment Inventory and Recommendations



Asset Location Recommendation-account type and titling



Review of Employer Retirement Plan Options & Recommendations



IRA Strategies including beneficiary review, Roth conversion analysis, & RMD's



Employee Benefits Review & Recommendations



Insurance Inventory & Analysis



Strategic Tax Planning



Estate Planning



Philanthropy Planning



Asset Allocation Recommendations



Education Funding



Human Capital Maximation


Financial Organization Streamlining and Efficiency


Life Planning & Coaching


Meet with Attorney, CPA or other Professionals




Meetings Per Year




Emails/Phone Contacts




Let’s find a time to talk about your situation.  

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