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Financial Planning Designed for Your Stage of Life

Clear, transparent pricing. We combine ongoing strategic advice with expert investment management to ensure you are confident in your financial future.

1% Investment Management Fee
Annual Strategic Reviews
Monthly Check-ins & Unlimited Email

*The 1% fee applies only to assets directly managed by Brandsma Capital.

Early Career

Perfect for students and young professionals building their foundation.

$25 / month
  • ✦Manage your cash flows
  • ✦Proactive tax strategy & bill lowering
  • ✦Match your money to your lifestyle
  • ✦Prepare for major purchases (house, car, wedding)
  • ✦Equip you for long-term financial confidence
  • ✦Keep you consistent and accountable
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Most Popular

Adults & Families

Comprehensive planning for growing wealth and life transitions.

$50 / month
  • ✦Everything in Early Career, plus:
  • ✦Strategic debt paydown
  • ✦Financial preparation for children
  • ✦College savings & 529 plan optimization
  • ✦Young family money education courses
  • ✦Life insurance & family protection analysis
  • ✦Employee benefits & 401(k) optimization
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50+ & Transition

Advanced wealth management for pre-retirees and business owners.

Starting at $100 / month
  • ✦Everything in Adults, plus:
  • ✦Comprehensive retirement planning
  • ✦Catch-up contribution strategies
  • ✦Navigating the empty nester stage
  • ✦Business exit & succession planning
  • ✦Estate planning basics
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How We Work Together

A clear, straightforward path to taking control of your financial future.

1

Discovery Call

We sit down to understand your current situation, your immediate pain points, and your long-term life goals.

2

The Blueprint

We build a personalized, actionable financial plan specifically tailored to grow with you.

3

Implementation

We don't just hand you a binder. We help you open accounts, move money, optimize taxes, and execute the strategy.

4

Ongoing Partnership

Through annual reviews and monthly check-ins, we continuously adjust your plan as your life and the markets evolve.

A La Carte

Hourly Consultations

Need focused advice on a specific issue without a monthly commitment? We offer standalone strategy sessions to tackle your immediate financial questions.

$100 / hour Book Session →
Trusted Partner

Optimize Your Insurance Coverage

We believe you shouldn't overpay for protection. We have partnered with IPCG, an independent insurance agency, to help our clients shop the market, lower their premiums, and secure the exact coverage their family needs.

*Brandsma Capital receives a portion of the commission from policies sold through IPCG. You are under no obligation to use their services.

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Disclaimer: This is not an offer or solicitation. All plans and structures mentioned above are for educational purposes only. For financial situations subject to higher complexity that require more time than a standard engagement, Brandsma Capital reserves the right to negotiate the terms mentioned above to suit the needs of both parties in agreement.