// 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
// Questions
Questions we get about our process.
What does a financial advisor actually do for you?
A financial advisor coordinates every dimension of your financial life — investments, tax strategy, equity compensation decisions, estate planning, insurance, retirement projections, and cash flow — into a coherent strategy where the pieces work together rather than in isolation. For tech professionals specifically, this means navigating RSU vesting schedules, stock option exercise timing, concentrated position management, and the interaction between equity compensation and broader financial goals. The value is ongoing coordination across all of these areas simultaneously.
How does Prospero Wealth’s financial planning process work?
Prospero uses what it calls Agile Financial Planning — a process modeled on the iterative sprint cycles familiar to tech professionals. It begins with four focused meetings to understand your full financial picture: goals, current finances, equity compensation, tax situation, estate needs, insurance, and behavioral tendencies. From there, you receive a comprehensive plan — but that plan is the starting point, not the finish line. Every quarter, your advisor identifies the two to three highest-priority actions and breaks them into tasks designed to actually get completed. The process is 100% virtual with flexible meeting cadences.
What does a financial plan cover?
A Prospero financial plan may cover up to eight core areas depending on your goals and household needs: investments and asset allocation, tax planning and optimization, equity compensation strategy, estate planning, insurance review, retirement projections, cash flow management, and debt strategy. Most clients come in focused on their portfolio or RSUs, but the plan is designed to show how all of these areas interact — because investment decisions cannot be optimized in isolation from tax strategy, equity vesting schedules, and long-term goals.
What is the difference between a fiduciary and a non-fiduciary financial advisor?
A fiduciary financial advisor is legally required to act in your best interest at all times. A non-fiduciary advisor may operate under a less strict suitability standard, meaning their recommendations only need to be suitable — not necessarily the best option available. In practice, this distinction affects how advisors are compensated and what products they recommend. Fee-only fiduciaries like Prospero Wealth do not earn commissions or sell proprietary products, which removes conflicts of interest that can arise when an advisor benefits financially from recommending one product over another.
Do I need a financial advisor or can I manage my own finances?
Many tech professionals successfully manage their finances through the early and mid stages of their careers. The complexity that typically triggers the need for professional advice includes concentrated stock positions with significant embedded gains, overlapping equity compensation decisions, households where both partners have complex compensation, or approaching a major liquidity event like an IPO or acquisition. The question is less about capability and more about whether you are actually doing the coordination that professional management provides — optimizing across tax, asset location, rebalancing, and behavioral discipline.
What is agile financial planning?
Agile financial planning treats your financial plan as a living document rather than a static deliverable. Borrowed from the iterative development methodology common in tech, it emphasizes short planning cycles, continuous prioritization, and adapting to change. At Prospero Wealth, this means quarterly reviews that identify the two to three highest-impact priorities, then break those into specific tasks designed to actually get completed. The philosophy is that small, focused action lists produce better outcomes than comprehensive plans that sit on a shelf — or as Prospero puts it, small lists get completed, big lists rot.
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.
