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Financial Planning & Investment Management

Your All-In-One Solution for Growing Wealth With Confidence

Most families are juggling careers, kids, college savings, retirement planning, taxes, debt, and investing. It’s overwhelming to manage it all alone.


My flagship service combines ongoing financial planning with hands-on investment management, so you have one trusted advisor guiding every part of your financial life.

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You don’t need to piece together a plan. You don’t need to guess. You don’t need to do this on your own.


I handle it with you, year-round.

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Who This Service Is For

This is the right fit if you are a family or individual who:

  • Has $250,000+ in investable assets

  • Wants a long-term, ongoing partnership with a trusted fiduciary CFP®

  • Prefers professional investment management instead of DIY

  • Wants a comprehensive financial plan that updates as life changes

  • Wants tax and retirement distribution planning

  • Values a proactive advisor you can meet with whenever needed

  • Wants confidence, organization, and clarity in every financial decision

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If you're looking for a hands-off investment strategy paired with expert guidance on all major financial topics… this is built for you.

What You Get With This Service

Ongoing Investment Management

Comprehensive Financial Planning

A disciplined, evidence-based portfolio strategy that includes:

  • Globally diversified, long-term allocation

  • Low-cost index funds and ETFs (plus select active funds where appropriate)

  • Portfolio rebalancing

  • Tax-loss harvesting

  • Tax-efficient positioning

  • Ongoing monitoring and adjustments

  • Help consolidating accounts and choosing proper investment types

 

My philosophy is simple:
Build a tax-efficient, low-cost portfolio designed for your long-term goals — not short-term market noise.

You get a full financial plan inside RightCapital, updated throughout the year as life evolves.

 

Planning areas include:

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  • Retirement income strategy

  • Tax planning and annual tax projections

  • College and education planning

  • Debt optimization

  • Cash flow and budgeting

  • Insurance and risk management

  • Benefits decisions (401(k), HSA, ESPP, stock options, etc.)

  • Major purchase planning (home, rental, car, renovations)

  • Investment analysis and allocation decisions

  • Estate considerations

 

You will know exactly where you stand, where you’re heading, and what steps to take next.

Access to All Educational Resources

All flagship clients automatically receive access to the full Middle Class Money Club education platform, including:

  • Courses

  • Videos

  • Worksheets

  • Guides

  • Financial templates

  • Webinars and special topic sessions

 

It’s built so you can learn at your own pace — and get deeper understanding behind the planning we do together.

Quarterly Planning Meetings + Unlimited On-Demand Calls

You’ll have:

 

  • Quarterly scheduled meetings to review, update, and stay on track

  • Unlimited on-demand meetings — you can book a session anytime something comes up

 

Whether it’s a tax question in March, a job change in July, a college decision in October, or a market drop in November… I’m there when you need me.

How We Work Together (Onboarding Process)

1. Intro Call (20 Minutes)

We discuss your goals, questions, and whether this service is the right fit.

 

2. Deep-Dive Discovery Meeting

We go through your current financial picture, priorities, and concerns.

 

3. Build Your Plan

I set you up in RightCapital and create your complete financial plan.

 

4. Implementation

We transition accounts, build your portfolio, and organize next steps.

 

5. Ongoing Guidance

Quarterly reviews + as-needed calls + ongoing monitoring.

You're never left on your own to figure things out.

Fees

Account Minimum: $250,000

Fee Schedule:

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This pricing includes:

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  • Full investment management

  • Comprehensive planning

  • All meetings

  • All educational content

  • All support

  • There are no additional planning fees for this service.

About Rich McCormack, CFP®

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I’m a CERTIFIED FINANCIAL PLANNER™ and founder of School of Personal Finance. My mission is to help middle-class families feel confident and in control of their money. I combine real-world planning experience with practical education to make financial decisions clear and simple.

 

No jargon. No intimidation. Just honest advice and a process that works.

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Ready to Get Started?

If you want a clear plan, a trusted advisor, and professional investment management working together… this is the place to start.

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