If You Think You Need A Plan, You Do. 

At KLD Wealth Management, we align your financial decisions with your values—whether it’s sustainability, faith, or building a legacy. Our expert guidance simplifies planning, giving you the confidence that your financial choices reflect what matters most to you.

Financial Planning Services

Get Started: A Kick Start Financial Plan for Clarity & Confidence

Building a solid financial future starts with a plan. Our 6-month Getting Started Financial Plan is designed to give you the clarity, structure, and confidence to make informed decisions—while keeping you in control every step of the way.

What You’ll Get:

✅ A Custom Financial Roadmap – A comprehensive plan tailored to your goals, lifestyle, and values.


✅ Retirement Income Planning – Ensure you’re on track for a secure and fulfilling retirement.


✅ Cash Flow & Budgeting Insights – Understand where your money is going and how to optimize it.


✅ Insurance & Risk Review – Identify gaps in coverage and protect what matters most.


✅ Tax-Smart Strategies – Roth conversion planning and year-end tax strategies to minimize liabilities.


✅ Estate & Wealth Transfer Planning – Set up a plan that ensures your assets go where you intend.


✅ Multiple Goal Planning – Balance short-term and long-term financial priorities.

Who It’s For:

✔ Individuals and families who want a clear action plan for their financial future.
✔ DIYers who like managing their finances but need expert guidance to create a strong foundation.
✔ Anyone looking for structured, professional insight without a long-term commitment.

Ongoing Guidance for a Financially Confident Future

Financial planning isn’t just a one-time event—it’s an ongoing process. Life changes, markets shift, and new opportunities arise. That’s why we offer a monthly subscription model, giving you continuous access to expert guidance, strategic adjustments, and peace of mind as you move toward your financial goals.

Why a Subscription-Based Model?

✔ Real-Time Support, When You Need It – No waiting for an annual review. Have a question? Need to adjust your strategy? We’re here when life happens.


✔ Proactive Planning, Not Just Reactive Fixes – Your financial plan evolves with you. We help you stay ahead of changes and adjust as needed.


✔ Clarity & Confidence, Month After Month – Instead of a one-and-done approach, you get ongoing education, strategy updates, and personalized insights.

What’s Included in Your Subscription?

✅ Continuous Financial Planning – Regular check-ins to review progress, adjust strategies, and refine goals.


✅ Investment & Retirement Guidance – Ongoing portfolio monitoring and retirement income planning tailored to your evolving needs.


✅ Tax Planning Year-Round – Stay ahead of tax-saving opportunities, Roth conversions, and year-end tax strategies.


✅ Risk Management & Protection – Ongoing insurance reviews and estate planning updates to protect your future.


✅ Access to an Expert When You Need It – Unlimited email support and scheduled calls to tackle financial questions as they arise.

Who This Is For:

✔ Individuals and families who want ongoing guidance and accountability in their financial journey.


✔ DIY investors who want expert insights without the pressure of a commission-based advisor.


✔ Anyone who wants a trusted partner to navigate financial decisions as life evolves.

A financial plan should grow with you. Our monthly subscription model ensures you stay on track—without the stress of managing it alone.

✅ Who We Work Best With

At KLD Wealth, we partner with clients who are serious about building a meaningful financial life—not just a portfolio. If any of the following sounds like you, you’re in the right place:

  • You're a Gen X or Millennial couple juggling work, family, and everything in between.
    You’re raising kids, saving for college, and still trying to carve out space for your own dreams.

  • Your household income is $150,000+ and growing.
    You’re doing well, but know you could be doing better—with the right plan and guidance.

  • You want to enjoy life now and later.
    You love to travel, experience new things, and create memories—not just stash cash away for "someday."

  • You value simplicity and clarity.
    You’re not looking for jargon or a sales pitch—you want someone to help you make confident, well-informed decisions.

  • You care about alignment.
    Your finances should reflect your values. Whether that’s building a legacy, supporting causes you care about, or just being intentional—you're looking for more than just returns.

❌ We're Not the Right Fit For Everyone—And That's Okay

At KLD Wealth, we want to make sure we're a good match—for both your time and ours. We’re committed to building long-term, values-based relationships with our clients, and that means we’re not the best fit for everyone.

Here’s who we’re not a fit for:

  • You're looking for a stock picker or market timer.
    We believe in long-term, evidence-based investing—not trying to chase the next big thing or time the market.

  • You're seeking free advice without commitment.
    We offer real value through thoughtful planning and professional expertise. If you’re not ready to invest in your financial future, we might not be the right partner just yet.

  • You want to "set it and forget it."
    Our best clients are engaged in the process. You don’t need to be a financial expert—we’ll guide you—but we do value collaboration and follow-through.

  • You’re only interested in quick wins.
    Financial planning isn’t about overnight success. It’s about building a strong, sustainable path toward the life you want—on your terms.

  • You prefer commission-based advisors or product sales.
    We’re 100% fee-only and fiduciary. That means no commissions, no product pushing—ever.

  • You’re not open to values-based conversations.
    We help clients align their financial life with what truly matters to them. If you're not interested in exploring that connection, our approach might feel too personal.

✅ Still With Us?

If you’ve read through this and thought, “Yes! That’s exactly what I’m looking for,”—you’re in the right place.

We’d love to learn more about your story and see how we can help.

Interested
in Working Together?

Get started in 3 easy steps

  • Our initial meeting is all about you, your goals, and your questions, so that we can determine if we are potentially a good fit.

  • We will create a personalized, high-level overview for you so that you can get a feel for our advice. Whether we work together or part as friends, this overview will be yours.

  • We review your planning overview and discuss how you can start focusing on your ideal retirement lifestyle and worry less about your finances. This is a NO PRESSURE meeting. No sales pitch, no commitments.

  • During your strategy session we will complete your planning overview including opportunities to achieve your goals and dreams. We will not ask you to decide then and there. In fact, we actually want you to sleep on it!

    We schedule a quick meeting for the next day to see if you have any questions and see if you want to get started with us.

    Either way, the plan is yours. No strings attached.

 FAQs

  • Values-based financial planning integrates your personal values (e.g., sustainability, social responsibility) into your financial strategy, while traditional planning focuses mainly on maximizing financial returns.

  • We guide you through a reflection process, asking key questions about your priorities (family, community, environment) and aligning those with your financial goals.

  • Yes, values-based financial planning ensures that your financial decisions support both your personal values and long-term financial objectives. We help you find ethical strategies that don't compromise on returns.

  • We regularly review your plan and adjust it to reflect shifts in your values, family dynamics, or financial situation, ensuring continued alignment with your goals.

  • Absolutely. We incorporate your philanthropic goals into your financial plan, helping you leave a lasting legacy through charitable giving strategies that reflect your values.

  • Values-based financial planning is ideal for individuals and couples who want their financial decisions to reflect their personal ethics and beliefs, especially those focused on long-term sustainability, social impact, religious beliefs, or family legacy.

  • Yes, whether it's family wealth planning, business succession, or advanced tax strategies, we tailor your plan to both your complex needs and your values.

  • As a fee-only firm, we provide clear, upfront fees for our services, ensuring there are no hidden commissions or conflicts of interest, so your financial decisions are always in your best interest.