A financial plan for the years when everything happens at once.
Two careers, a mortgage, daycare, stock options, a 529 you keep meaning to open. Lantern is a flat-fee planning firm for families in their 30s and 40s. One price, published below, and a planner who actually picks up.
Sound familiar?
Most planners want you after you have retired with a big account. We want you now, while the decisions that build the account are still being made.
Two incomes, small kids
Good money coming in, and somehow not much left at the end of the month. We build the cash flow plan first, then the savings order: emergency fund, match, debt, 529, taxable.
Equity compensation
RSUs, ISOs, ESPP, and a tax bill you did not see coming. We map the vesting schedule, plan the sales, and keep the concentration from becoming the whole plan.
Starting to build
First real salary, student loans, a house in the next few years. The order you do things in matters more than any single investment. We set the order.
Three plans. Every price on the page.
Answer two questions and we will point you at the one that fits. Or skip it and read them all, they are short.
Which plan fits?
What do you want from us?
Any of these apply? (pick all that do)
Foundations
- Cash flow and savings order
- Investment allocation you apply yourself
- Insurance and estate checklist
- 90 days of follow-up questions
Ongoing Planning
- Everything in Foundations
- Four scheduled meetings a year
- Tax projection every fall, with your preparer
- Equity, bonus, and big-purchase decisions as they come up
Planning + Investments
- Everything in Ongoing Planning
- We manage your IRAs, brokerage, and 529s
- Rebalancing and tax-loss harvesting
- Fee does not rise as the accounts grow
Fees are the whole fee. Fund expenses at the custodian are separate and disclosed in writing. Households with equity compensation, a business, or rental property are quoted a complexity add-on of $50 to $150 a month, stated before you sign.
Four weeks to a plan. No homework packets.
You connect your accounts once through the portal and we do the gathering. Meetings are by video, 60 to 75 minutes, evenings available.
Intro call
20 minutes. What is going on, what you want, and whether we are the right fit. Free, no pitch.
Connect and discover
Link your accounts to the portal, then a discovery meeting to talk through priorities and the numbers behind them.
Plan delivery
Your plan, as a short written document and a 75-minute walkthrough, with a to-do list in order of impact.
Do the things
Foundations clients get 90 days of questions. Ongoing clients get a check-in every quarter and a planner on email in between.
What a year with Lantern looks like.
Three people. You will know all of them.
Daniel Reyes, CFP®
Started Lantern in 2019 after six years at a firm that could not take clients without $1 million. Lives in Harrow Creek with two kids and a very old dog.
Priya Natarajan, CFP®, EA
Runs the tax projections and the equity compensation work. An Enrolled Agent, so she can talk to the IRS on your behalf if it ever comes to that.
Jess Kowalski
Scheduling, the portal, account transfers, and the person who makes sure nothing you sent us sits unread.
Good questions.
Why a flat fee instead of a percentage of my investments?
Because the work is the same whether you have $40,000 or $400,000 invested, and most of our clients' wealth is still in their careers, not their accounts. A flat fee means we are paid for the planning, not for gathering assets.
Do I need a certain amount of money to work with you?
No. There is no minimum. If a plan would not be worth the fee for you, we will tell you on the intro call.
Is everything really virtual?
Yes. Meetings are by video, documents are shared through a secure portal, and signing is electronic. We work with clients in most states and will confirm yours on the first call.
What if I only want help with one thing?
The Foundations plan is built for that: a complete plan delivered in two meetings, with 90 days of follow-up, and no ongoing commitment.
Can I cancel?
Yes, any time, with 30 days' notice, no fee. We would rather earn the renewal every year than lock anyone in.
Pick a time. We'll send the video link.
Twenty minutes with Daniel or Priya. Bring questions, not documents. If we are not the right fit, we will say so and point you somewhere that is.
- (555) 555-0171
- hello@lanternplanning.example
- Based in Harrow Creek · clients in most states