Process, Services & Engagement Models

DIWY Financial Planning meets you where you are. Choose how you want to engage and when. Whether you’re seeking personalized guidance or collaborative group support, we provide tools, structure, and a clear process that fits your needs.

Process

Introductory Meeting: No-obligation 30-minute call to determine mutual fit and type of engagement (One-on-One or Group Sessions).
Orientation, Calibration & Assessment: Overview of financial planning process and tools.
Road Map & Implementation: Goal prioritization and implementation support.
Ongoing Access to Tools / On-Demand Support: Planning continuity with no ongoing fees or retainers.

Services

A focus on comprehensive, practical areas that can make a meaningful impact:

Budgeting and Cash Flow Management
Debt Strategy and Credit Optimization
Employee Benefits Guidance
Tax Planning and Roth Conversion Strategies
Education Funding
Insurance and Risk Management
Social Security Optimization
Asset Allocation and Investment Selection
Crypto and Digital Assets
Financial Independence and Retirement Planning
Estate and Legacy Planning
Major Purchase / Sale (Real Estate, Business, etc.)

Engagement Levels

One-on-One Support

Hands-on, personalized financial planning.

Personalized assessment, planning and implementation support
Targeted topic consultations as needed
Only meeting time is billed

Hourly fee range: $400–$1,000 (based on complexity)

Standard one-on-one engagements per DIWY Pricing Model™:

$400 first hour, $300 second hour, $250 third hour, $200 fourth and subsequent hours within 30-day window.

Billed in arrears at the end of each active 30-day window. No fees if no meetings.

Ongoing access to planning tools between paid engagements at no additional cost.

Schedule One-on-One Meeting(s)

California Code of Regulations (CCR) § 260.238(j): Lower fees for comparable services may be available from other sources.

Office Hours

Interactive support through group sessions.

Live Q&A office-hour sessions
Collaborative accountability
General guidance in a group setting

$200 flat fee per 30-day window (payable in advance)

30-day window begins with first attended Office Hour session.

If fewer than four sessions are offered in a 30-day window, you may attend any or all of the next three scheduled sessions at no additional charge.

Attending any session triggers the full $200 fee; partial reimbursements are not available.

Ongoing access to planning tools between paid engagements at no additional cost.

Schedule Office Hour Session(s)

California Code of Regulations (CCR) § 260.238(j): Lower fees for comparable services may be available from other sources.

For complete details, please review the DIWYFP Form ADV Part 2A before engaging services.