Question 1

What services do you offer?

Accepted Answer

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; and insurance and estate planning coordination. Most importantly, everything is connected. Decisions in one area should not create problems in another.

Question 2

How do I get started?

Accepted Answer

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.

Question 3

What makes you different?

Accepted Answer

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.

Question 4

How do you charge for your services?

Accepted Answer

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; and 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.

Question 5

Do you manage investments?

Accepted Answer

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.

Question 6

What is it like to work with you?

Accepted Answer

My goal is to simplify decisions and give you clarity. We will focus on what actually matters, what to do next, and what can be ignored. Most clients feel less overwhelmed and more confident after a few meetings.

Question 7

Do I need a certain amount of assets to work with you?

Accepted Answer

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.

Question 8

How often do we meet?

Accepted Answer

It depends on what you need. Most client meet quarterly but at a minimum twice a year. There is flexibility based on your situation.

Question 9

How can I contact you?

Accepted Answer

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.

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