LAUREL WEALTH PLANNING’S 25th ANNIVERSARY
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Where we shine

Wealth Management Services

When meaningful wealth has been built, the stakes are high. Missteps can feel costly.

That’s why at Laurel Wealth Planning, we specialize in integrated wealth management—combining financial planning, investment management, tax strategy, and gifting & estate planning into a unified approach tailored to you, your values, and your aspirations.

We partner with you to harmonize your financial wealth with what is most deeply important to you.

While our primary focus is on building long-term wealth management relationships with our clients, we understand that some clients prefer to begin with a focused evaluation of their financial situation. You can work with us through either our comprehensive wealth management service or start with a point-in-time financial plan—both designed to meet your unique needs.

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Our mission is to provide you with the income, confidence, and flexibility to enjoy the life you envision, while managing your wealth with thoughtful stewardship and care.

Research shows that comprehensive financial advice can add significant value—1.6% or more annually after all fees, and by addressing gaps that can arise when these services are handled separately, our wealth management approach delivers value beyond just numbers.

See Vanguard Research
See Morningstar Research

How Our Wealth Management Approach Adds Value

We believe wealth management is about much more than balancing spreadsheets. It’s about creating a strategy that reflects your unique values, goals, and aspirations. This holistic approach integrates:
Retirement Planning
We help you plan for lasting financial independence and the freedom to enjoy the lifestyle you envision and that inspires you.
Investment Management

We implement a disciplined and proactive strategy designed to grow and sustain your wealth while aligning with your personal values.
Tax Reduction Strategies
Our proactive tax planning helps you keep more of your hard-earned money through customized, tax-efficient investment decisions. 
Estate Planning
We prepare for the future by structuring your wealth to benefit loved ones and causes close to your heart.
Philanthropy & Family Gifting
We encourage you to enjoy the pleasure of gifting now and help you magnify the benefits through tax-advantaged strategies.
Risk Management
We help shield your assets through tailored strategies that anticipate potential challenges and uncertainties.
Our wealth management service isn't just about solving problems—it’s about delivering to you the confidence and flexibility to enjoy your life, while knowing that every aspect of your financial picture is working in harmony.
See Our Laurel Wealth Harmony™ Process

Flexible Solutions Tailored to Your Needs

At Laurel Wealth Planning, we recognize that each client’s journey is unique. That’s why we offer two distinct services:

Wealth Management

Our flagship offering integrates all aspects of your financial life into a cohesive plan. Designed for clients with $1 million or more in invested assets—or those rapidly accumulating toward that level—this service includes:

Ongoing investment management

Proactive, continuous, integrated financial and tax planning

Access to our specialized team and resources

For a minimum annual fee of $7,500, our wealth management clients benefit from a relationship that prioritizes long-term value, including tax-efficient strategies, income flexibility, trustworthy stewardship of your resources, and a focus on amplifying your financial plan so that you can do more of what is most important to you. See more details in our fee schedule for ongoing services.

Point-in-Time Financial Plan

While our focus is on long-term wealth management relationships, we understand that some clients prefer to start with a focused evaluation of their financial situation, subject to staff availability. This one-time service is ideal for clients who want a detailed snapshot of their current financial situation and strategies without initiating investment management. Fees start at $7,500, adjusted for complexity. Many clients begin here and later transition to our full wealth management service so their plan evolves with their needs.

Whom We Serve

Our wealth management services are tailored to meet the needs of individuals at key life stages and transitions:

Retired and Pre-Retirees

Transitioning from saving for retirement to living off your savings brings important questions:

“Have I saved enough?” “Which accounts should I draw from first?” and “How can I manage taxes on distributions?”

We provide clear guidance through these decisions, helping you navigate Social Security, required distributions, and more. Our goal is to simplify the process, so you can fully enjoy the retirement you’ve worked so hard for.

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Divorcees

Divorce can feel overwhelming, emotionally and financially. We provide clarity and support during and after this challenging transition, helping you confidently navigate decisions about assets, income, and long-term financial stability.
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Generational Wealth Builders

Building a legacy takes thoughtful planning and intentional action. We work closely with your family to establish a strong foundation for long-term financial stability, aligning strategies to preserve and grow wealth across generations. Whether through tailored gifting plans, education funding, or creating a framework for shared values around wealth, we help prepare your family for the future and empower you to carry your legacy forward.
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Widows and Widowers

Receiving significant wealth after a loss can be both an emotional and financial challenge. We offer compassionate guidance to help you navigate this transition, providing thoughtful, tax-efficient investment strategies and estate planning that honor your loved one’s legacy while helping you find stability and confidence in this new chapter.
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Children of Clients

We extend our partnership across generations, helping the next generation of your family establish sound financial foundations.
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Women Decision-Makers

With half our clients being women, we specialize in addressing the unique financial considerations women investors face, not just in terms of longer lives, but the value they place on the relationships in their lives and on having a clear financial plan.
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Why Choose Laurel Wealth Planning?

Wealth management is about more than numbers—it’s about aligning your financial decisions with the life you want to lead. By bringing together investment, tax, estate, and financial planning into one cohesive strategy, we simplify your financial life, offering clarity and confidence for your decisions, so you can enjoy the life you’ve envisioned. We pride ourselves on maintaining a high ratio of professionals to clients, offering personalized care that fosters strong relationships and thoughtful service.

With decades of experience and a personalized approach, we provide the thoughtful attention of a boutique firm alongside the resources of a larger organization. Our Investment Committee brings over 100 years of collective skill and experience, delivering well-considered strategies tailored to your financial journey. Our team’s advanced designations (including Certified Public Accountant (CPA), Personal Financial Specialist (PFS), and Masters in Taxation) enable us to craft strategies uniquely suited to your needs. We serve our clients as a team, with all of us adhering to our clear standards of care and values.
At Laurel Wealth Planning, everything begins with understanding what matters most to you. We listen to your story, what moves you, and what you aspire to, and craft a personalized plan designed to evolve with your life’s changes. This integrated approach fits every financial decision—whether about investments, taxes, or gifting—seamlessly into your broader vision. We harmonize your wealth with what is most deeply important to you.
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Our Clients Feel

Empowered

Confident that their wealth is being managed responsibly and effectively

Relieved

Free from the worry and stress of fragmented financial advice

Inspired

Ready to pursue their dreams, knowing their finances are in the hands of professionals

With proactive communication and a high-attention approach, we help you understand your options while simplifying complex decisions, providing clarity and confidence every step of the way.

Get Started

Let’s begin with a conversation. By understanding your unique circumstances and goals, we build a custom wealth management plan that grows with you over time.

Our cost structure is simple and transparent:

No transfer fees or hidden charges

Complete freedom over your assets with only minor exit fees

Discover how Laurel Wealth Planning can simplify your financial life and bring clarity to your future through our Laurel Wealth Harmony™ Process.
Schedule a Free Discovery Call

Wealth Management Services

Our team includes members with specialties in taxation, investment management, and personal financial planning, with our Investment Committee bringing more than 100 years of combined experience. This breadth and depth of knowledge enable us to provide comprehensive wealth management services that have been shown to deliver substantial incremental value.

You can work with us through our wealth management service or through a point-in-time financial plan that does not include investment management.
More Here

Our Services

Our wealth management approach integrates all aspects of your financial life, helping you make informed decisions and plan confidently for the future. We offer a range of specialized services designed to address your unique needs and goals, from retirement and estate planning to personalized investment and tax strategies. Explore how we can support your financial journey through our services below.

Retirement Planning: We help you plan for sustained financial independence and enjoyment.

Investment Management: Our custom investment plans use a wide range of asset classes and investment tools to balance risk, seek opportunity, and match your preferences and values.

Tax Reduction Strategies: We take tax planning to a deeper level, customizing investment decisions to your personal tax situation to enhance after-tax returns.

Estate Planning: We tie estate planning into your plan to provide for people you love and to support causes close to your heart.

Cash Flow Management: We help you create on-going cash flow that supports your desired lifestyle.

Risk Management: We identify and address potential risks, implementing strategies to protect your assets and safeguard your financial well-being.

Straightforward Costs Leading to Added Value

Wealth Management

We construct multi-faceted plans tailored to each client, and we find that those with $1 million or more in invested assets—or who are rapidly accumulating toward that level—benefit most from our experience. While we have no minimum account size, we do have a minimum annual fee of $7,500, which typically covers ongoing investment management, proactive financial planning, personalized advice, and dedicated service. You can review our fee schedule here. The structure is simple with one quarterly payment paid from your accounts. This service can lead to added value for you. A comprehensive approach, like we offer, has been estimated to add value of 1.6% per year and 3.7% after costs.

Point-in-Time Financial Plan

While we value long-term relationships and believe our ongoing advice brings continuous value, clients interested in exploring our approach may start with a point-in-time financial plan, subject to staff availability. This service offers one-time advice based on a snapshot of your financial situation, without ongoing investment management, for a minimum fee of $7,500, adjusted for complexity.

How to Get Started

Our process begins with a deep conversation to understand what matters most to you. From there, we build a custom financial plan that integrates all of our services, designed to evolve with your needs. We keep you informed every step of the way while helping you simplify your financial life. Our high attention approach means that you are known and we are proactively adding value.

Our cost structure is straightforward and competitive. There are no fees or taxes to transfer assets. Because you can leave with only minor exit fees, you have complete freedom over your assets at all times.

Schedule a Free Discovery Call

Financial Planning FAQs

Just as we aim to give clear, straight forward answers to our clients, we want to do the same for those who are considering a relationship with Laurel Wealth Planning. Below are questions we frequently get from potential clients. If you have a question we didn’t answer, leave it in the box below!

Who We Are

What is a “full-service, fee-only” firm?

“Full-service” means we offer comprehensive financial planning, not just investment management. We consider all your investments, even those not with us, in your plan. We counsel you on risks and opportunities. We provide guidance on matters such as insurance, tax, estate planning, and charitable giving.

“Fee-only” means we are paid only through client fees, not through commissions made by selling financial products to clients. This mitigates conflicts of interest that can arise when advisors receive commissions. Our only obligation is to you.
As a fee-only firm, our compensation comes solely from you, based on the assets we manage on your behalf. Fees are paid quarterly and cover all our services.
An independent financial advisor is not tied to the proprietary products of one investment company. This gives us the freedom and ability to select investment products and services that are best for you.
Yes. As a fiduciary, we are legally bound to work in your best interest at all times. We are a trusted advisor, thoughtful partner, and responsible steward of your assets. We strive to ensure all investment advice is accurate, and we aim to avoid conflicts of interest.

Our team includes members with specialties, certifications, and degrees in taxation, investments, and personal financial planning. Credentials and licenses include:

  • CERTIFIED FINANCIAL PLANNER®
  • Certified Public Accountant
  • Master of Business Taxation
  • Personal Financial Specialist

Whom We Serve

What types of clients do you specialize in?
While we are happy to work with anyone who feels our style suits them, many of our clients are women with substantial financial resources or couples with a woman as a strong decision-maker. We often help clients navigate life transitions, such as a change in marital status or a transition to retirement and financial independence. We also have many clients who want to use their wealth to leave a meaningful footprint in the world.

Because we help construct multi-faceted plans, we find that clients with $1 million or more in invested assets—or those rapidly accumulating toward that level—benefit the most from our experience. However, we do not have a minimum account size, just a minimum annual fee of $7,500, which is $1,875 a quarter.

How We Help

What does a financial plan include?
With you at the center, your financial plan explores your current financial situation and your short- and long-term goals. It then sets a plan for how to get from here to there. This includes:
  • A path to financial independence
  • Plans for future needs such as education and estate planning
  • Risk management
  • Income tax reduction strategies
  • Investment management
We frequently review and revise your plan. We can manage as much or as little of the plan as you want. You can stay as actively involved as you choose to.
In our relationship with you, we listen for the heart of the matter. Understanding you and your goals is the basis for your personalized plan.
We consider all your investments, calibrate strategies, look for tax reduction opportunities, and counsel you on risks and opportunities. We aim to explain all strategies clearly so you can make the best decisions for you, based on your needs and preferences.
Yes! A Morningstar study projects the value of comprehensive financial and investment advice at 1.6% per year, after all fees. A Vanguard study found the potential value to be 3% after all fees over time. Learn more.
Our comprehensive wealth management for assets-under-management clients includes investment management, ESG investing/socially responsible investing, tax reduction strategies, retirement planning, pre- and post-divorce planning, assistance in decisions after the loss of a partner, estate planning, and college planning.
We will sometimes start with a one-time project plan for those who need more time to explore investment management. This offering is subject to staff availability. The minimum fee for this service is $7,500 and is adjusted for complexity.
We also offer a Divorce Consulting service during and/or after a divorce, billed on an hourly basis.
Most client investments are custodied through Raymond James Financial Services, Inc. One of the first firms to focus on individual financial planning, Raymond James has consistently been ranked among the nation’s top financial firms.
We proactively coordinate with other professionals and believe open lines of communications improve the holistic service we provide.
Your main point of contact will be one of our Wealth Managers. But we use a team-based approach that takes advantage of different areas of expertise.
Our Client Service staff will make sure your needs are taken care of, whether you are visiting in person or working with us virtually.
Book a no-cost discovery call to see if we are the right fit for you.

Hear What Our Clients Say:

"After an unfortunate experience with our previous financial advisor, we were skeptical. But Laura and her team unfailingly deliver on their promise. They have shown a sincere interest in getting to know us and understand our priorities. They have provided ongoing monitoring of our situation and directed strategies to respond to changing circumstances. Thoughtful recommendations for managing our finances come through regular opportunities to meet with them face to face. As plans are executed, we find they reliably communicate with us. We also appreciate the many ways they keep us informed about the financial environment on a macro level and the impact it might have on us."

Karen and Chuck
The above testimonial contains statements and opinions from actual clients of Laurel Wealth Planning. Individuals were not compensated to discuss their experiences or have them shared on this website. Each client’s experience will differ and highlighted clients’ experiences may not be indicative of the experiences of other current or future clients. All investing involves risks, including the potential for loss of principal. There is no guarantee that any investment plan or strategy will be successful.
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While we are a completely independent firm, and can custody client money through any independent investment firm, we currently generally recommend to clients that their investments be custodied through Raymond James Financial Services, Inc. Raymond James is a diversified financial services holding company serving individuals, corporations, and municipalities throughout the U.S. and internationally. One of the first firms to focus on individual financial planning, Raymond James has consistently been ranked among the nation’s top financial firms.
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