Pillar Financial Planning

Helping business owners & physicians reduce taxes, build meaningful wealth, and reach financial independence faster.

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What Sets Us Apart:

  • Proactive Tax Planning
    I work with business owners and 1099 professionals to review financial information throughout the year, identifying relevant federal and state credits, deductions, and tax obligations to support informed decision-making.

  • Preparing for the Transition to Retirement
    I help those in their 40s and 50s make intentional decisions around savings, investments, and benefits so they are well-positioned for retirement, not scrambling to fix things later.

  • Tax-Efficient Retirement Income
    I help convert your portfolio into a tax-smart distribution strategy for retirement. So you keep more of what you've earned.

  • Fee-Only Fiduciary Commitment
    I do not accept commissions, referral fees, or any other form of compensation from third parties. All potential conflicts of interest are fully disclosed, ensuring complete transparency in every recommendation.

  • Virtual, Flexible, and Accountable
    Proudly serving Raymore, Overland Park, Lee’s Summit, Leawood, and the greater Kansas City area through convenient virtual meetings.

  • Collaborative Network of Experts
    I coordinate with independent CPAs, insurance professionals, and estate planning attorneys to ensure every piece of your financial life works together.

Leading with Planning

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Planning is an action. It is understanding where you are in life and what you want to accomplish. Then it is figuring out your defensive strategies, offensive pushes, and executing at a high level.

Team of Experts

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Work with a team of independent founders that coordinate virtually on your behalf to execute on agreed steps.

Regular Meetings

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Meet quarterly with preset agendas to review savings rate, tax efficiency, investments, retirement withdrawals, employer benefits, and all of life in between.

Navigating Life With You

Pillar Financial Planning is a fee-only financial planning firm that offer multiple ways to engaged on your terms. Between hourly work, ongoing financial planning, and investment management. You choose how to engage.

Pillar Financial Planning is focused on bringing you real results. By partnering with independent CPAs, Estate Planning Attorney’s, health insurance, Life & Disability insurance, and other experts. You get multiple perspective with no revenue splits, no games.

How To Get Started

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Interview Me

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Data Gathering

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Vision Meeting

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Recommendation & Implementation

Affiliations:

Frequently Asked Questions

  • I provide comprehensive financial planning with a focus on tax strategy, retirement planning, and investment management.

    That includes:

    • Tax planning throughout the year, not just filing

    • Investment strategy and portfolio design

    • Retirement planning and income strategy

    • Business owner and 1099 planning

    • Insurance and estate planning coordination

    Most importantly, everything is connected. Decisions in one area should not create problems in another.

  • It starts with a short introductory call.

    We will talk through your situation, what you are trying to solve, and whether I am a good fit.

    If it makes sense to move forward, I will outline exactly what working together would look like before you commit to anything.

  • I focus on planning first.

    Before starting this firm, I spent years in leadership roles making difficult decisions with real consequences. That experience shapes how I work with clients today.

    Helping people make good decisions under pressure is where I do my best work.

    There are no commissions, no product sales, and no incentives tied to what you invest in.

    Most of the value comes from helping you make better decisions around taxes, structure, and long term strategy.

    Simple plans that are actually followed tend to work better than complex ones that are not.

  • I offer a few different options depending on what you need:

    • Hourly financial planning for one time or ongoing work

    • Flat fee planning with an ongoing monthly structure

    • Investment management for clients who want it as part of a broader plan

    Everything is transparent and discussed upfront. You will know exactly what you are paying and what you are getting.

  • Yes, but only as part of a broader plan.

    Investment management is important, but it is only one piece of the overall strategy. Taxes, cash flow, and long term planning decisions often have a bigger impact.

  • My goal is to simplify decisions and give you clarity.

    We will focus on:

    • What actually matters

    • What to do next

    • What can be ignored

    Most clients feel less overwhelmed and more confident after a few meetings.

  • No.

    Many of my clients come to me before they have built significant assets because they want to make better decisions early.

    Others already have investments and want to optimize what they are doing.

    Fit matters more than asset level.

  • It depends on what you need.

    Most client meet quarterly but at a minimum twice a year.

    There is flexibility based on your situation.

  • You can schedule a call directly through my calendar, email, or call me. My email is jhargrave@pillarfinancialplanning.net. My phone number of 401-206-4586

    If you are not sure where to start, the intro call is the best first step.

Still have questions? Schedule a call and we can talk through your situation.

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