Subscription Planning Services
Financial guidance for where you are today, with room to grow.
You don’t need to wait until you’ve accumulated significant wealth to start making thoughtful financial decisions.
Our Subscription Planning Services are designed for households who want professional guidance as they build savings, make career decisions, plan for retirement, and navigate the financial questions that come with life.
Whether you’re establishing your financial foundation or juggling several goals at once, you can choose the level of planning support that fits where you are today, giving you a place to start and a path forward as those needs evolve.
Financial Planning That Grows With You
Choose the level of support that fits your life.
Financial Foundations
For getting organized and building good habits from a clear starting point.- Initial Financial Snapshot
- Net worth
- Budgeting support
- Balance sheet
- Goal Identification
- Prioritize goals
- Ongoing Access
- Email support
- 1 scheduled meeting a year
- Ad-Hoc Guidance
- Job changes
- Major purchases
- Benefit enrollment decisions
- Family planning
- Savings & Cash Flow Direction
- Emergency fund target
- Savings rate guidance
- Account prioritization
Planning ESSENTIALS
For households actively planning ahead and weighing bigger decisions.- Includes everything in Financial Foundations, AND:
- Retirement Trajectory
- High-level retirement projections
- Contribution guidance (401K, 403B, TSP, IRA)
- An honest "Am I on track?" conversation
- Roth vs. Traditional Guidance
- Insurance & Risk Review
- Life insurance needs analysis
- Disability coverage review
- Umbrella guidance
- Annual Beneficiary Review
- Asset Allocation Review
- Expanded Access
- Phone support
Planning PLUS
For complex, multi-goal households who want a fully-coordinated plan.- Includes everything in Planning ESSENTIALS, PLUS:
- Advanced Planning Areas
- Education planning strategies
- Charitable donation planning
- Equity compensation guidance
- Estate Planning Strategies
- Dedicated Tax Planning Discussion
- Proactive Service
- 1 annual review
- Investment recommendations
How Subscription Planning Works
A straightforward way to start planning.
You don’t have to know exactly what you need before reaching out. We’ll start by understanding where you are, what you’re working toward, and which questions deserve attention first.
01
UNDERSTAND
We begin with your current financial picture, including your income, savings, accounts, obligations, benefits, and the goals you’re working toward.
02
PRIORITIZE
We identify the decisions that deserve attention first so you have a clearer sense of what to work on now and what can wait.
03
PLAN
We provide guidance based on the planning areas included in your subscription level and help you turn that guidance into practical next steps.
04
EVOLVE
As your career, family, income, assets, and priorities change, your planning relationship can grow with you.
What You Can Expect
Professional guidance without waiting for your financial life to become complicated
Good financial habits are easier to build when you have someone helping you think through the decisions along the way.
A Clear Starting Point
Understand where you stand financially, what deserves attention, and which next steps may have the greatest impact.
Someone To Ask
Financial questions don’t always arrive conveniently before an annual meeting. Depending on your subscription level, you’ll have email or phone access when decisions come up.
A Relationship That Can Grow
Your planning needs today may look very different five or ten years from now. Our subscription levels allow the relationship to expand as your financial life becomes more complex.
FAQs About Our Subscription Planning
How do I know which subscription level is right for me?
It depends on the number and complexity of the financial decisions you’re currently managing.
Financial Foundations focuses on organization, savings, cash flow, and everyday financial decisions.
Planning ESSENTIALS adds retirement, insurance, beneficiary, and asset allocation guidance.
Planning PLUS adds more advanced planning areas, estate planning strategies, tax planning discussions, and investment recommendations.
If you aren’t sure where you fit, we can help you determine the appropriate starting point.
Do I need to have my finances organized before we meet?
No. Getting organized is part of the process, particularly at the Financial Foundations level. We’ll start with the information you have and help you better understand your overall financial picture.
Can I change subscription levels later?
Your financial needs are likely to change over time. As your situation becomes more or less complex, we can discuss whether another subscription level would better fit the planning support you need.
Does the subscription include investment management?
The level of investment-related guidance depends on your subscription. Planning ESSENTIALS includes an asset allocation review, while Planning PLUS includes investment recommendations as part of its proactive service.
Are tax preparation or legal services included?
No. Tax and estate planning discussions can be incorporated at the Planning Plus level, but Craft & Sage does not provide tax preparation or legal services. When appropriate, planning may include coordination with outside tax or legal professionals.
Reviews From Clients
These testimonials were provided by current clients of our firm. We did not provide any compensation in exchange for these testimonials. Because the individuals are current clients, their experience and opinions may be influenced by their ongoing relationship with our firm. Clients’ experiences may not be representative of all clients, and results are not guaranteed.
Connect With Craft & Sage
2500 Summit Street, Suite 103
Kansas City, MO 64108
Office: 816-436-9939
Fax: 816-436-7735
