The problem
You’re doing well. That’s exactly why it’s complicated.
A good income, equity that vests on its own schedule, a mortgage you’re weighing, childcare that costs like a second mortgage. The pieces are all moving, and no one is holding the whole picture but you.
Financial Planning
Cash flow, taxes, and goals in one living plan that adapts as life does.
Investment Management
Low-cost portfolios at Altruist, managed and rebalanced for you.
Equity Comp Strategy
RSUs, ISOs, ESPP and vesting, decoded and built into the plan.
Tax & Estate Coordination
Tax planning with us, plus initial estate documents coordinated for you and included in the fee.
How we work
Protect. Optimize. Grow. Live.
Four steps, in that order, on repeat. Each one makes the next one possible.
Protect
Build a strong foundation
Insurance, estate coordination, and reserves, so nothing can derail the plan.
Optimize
Keep more of what you earn
Taxes, cash flow, benefits, equity comp, and debt, tuned to work together.
Grow
Put your money to work
A diversified, tax-aware portfolio pointed at your actual goals.
Live
More choices for what’s next
Big decisions modeled early, so you can spend, change, and give with confidence.
Pricing
One fee. On the website.
On purpose.
A simple schedule that steps down as you grow, with no asset minimums hidden in a PDF. The number is right here.
The person behind the plan
Hi, I’m Joe.
Joe Kuschman, CFP®, founder of Earnest Planning. My approach is simple: understand the whole picture, make the tradeoffs clear, and give you practical next steps.
Let’s see if we’re a fit.
Six quick questions tell us, and you, whether we should talk.