// HOW WE WORK
Most financial plans are static.
Built to impress, then forgotten.
Ours are designed to evolve.
Four focused meetings to understand your full picture, then an ongoing cycle that prioritizes the biggest levers.
We call it "Agile Financial Planning."
If you've worked in tech, it'll feel familiar.
// WHAT WE COVER
MORE THAN INVESTMENTS
Most clients come to us thinking about their portfolio — their 401(k), their RSUs, whether their asset allocation is right. That's a reasonable place to start. But investments are just one piece, and we can't tailor them to your situation until we understand the rest.
A Prospero financial plan may cover up to eight core areas, depending on your goals and your household's needs:
Net worth
Tax Planning
Retirement Planning
Estate Planning*
Liquidity
Investment Analysis
Insurance
Education Planning
* Limited in scope. For complex estate needs, we coordinate with trusted estate attorneys.
Not every plan includes every area. Your proposal is built around the goals you prioritize and the needs we identify together.
Beyond planning, many clients also work with us on asset management, tax preparation coordination, and estate documents. These services integrate directly with your financial plan so nothing falls through the cracks.
// HOW WE GET STARTED
FOUR MEETINGS TO A PUBLISHED PLAN
Our initial engagement is built around four virtual meetings. Between Phase 2 and Phase 3, we deliver a planning proposal that reflects your goals. That's when you decide whether to move forward. No pressure (and no payments) until you decide you're ready.
// PHASE 01
KICKOFF MEETING
We walk you through what a comprehensive plan includes, how our process works, and what to expect. You'll leave with a goals worksheet to complete before our next meeting.
Think of this as the orientation: low commitment, high context. We cover the planning domains, show you how we manage tasks and priorities together, and show you how to get setup in our planning tool.
// PHASE 02
INPUTS MEETING
We review your goals and financial data together, audit what's there, and identify what may be missing. By the end, we understand the shape of your financial life.
Did you skip insurance because you don't have it, or because you didn't upload it? We sort through what's complete and what needs attention so we can scope your plan accurately.
After Phase 2, we deliver your planning proposal — a statement of work reflecting your prioritized goals and the scope of your plan.
// PHASE 03
INSIGHTS MEETING
We share what we're seeing — directionally, not prescriptively — and open a dialogue about what matters most. The goal is to test ideas and gauge your comfort level before we formalize anything.
We might point out that your emergency fund is oversized, that your concentration risk is higher than you realized, or that there's a Roth conversion window worth exploring. This is a conversation, not a presentation.
// PHASE 04
IMPLEMENTATION MEETING
We present concrete recommendations with proposed sequencing and timelines, refine them based on your feedback, then publish your plan and begin executing together.
For complex situations, we may create additional materials — account consolidation flow charts, equity comp decision trees, or other visual guides — that help clarify what's happening and why.
AGILE PLANNING
Your plan is never "done." Publishing it is the starting point, not the finish line. If you've worked in sprints, what comes next will feel natural.
Quick Start, No Heavy Lift
Relentless Forward Motion
Meetings on Your Terms
Always Evolving
SEE HOW WE CAN HELP
The strategies discussed above involve risks including, but not limited to, market risk, leverage risk, short-selling risk, and tax risks. Tax-loss harvesting and tax-advantaged strategies depend on individual circumstances and may not be appropriate for all investors. There is no guarantee that any strategy will achieve its objectives. Prospero Wealth does not provide tax or legal advice. Clients should consult with their own tax and legal advisors regarding their individual circumstances. Past performance does not guarantee future results.
