Barrett Financial Planning
Hourly Financial Planning
Your Financial Future, Your Way—Hourly Advice, No Strings AttachedAt Barrett Financial Planning, we believe financial guidance should be straightforward, transparent, and tailored to you. Unlike traditional wealth managers who tie their fees to your assets or to commission-based products, we’re different. We offer expert financial planning on an hourly basis—clear, valuable, and focused entirely on your goals.No hidden agendas. No conflicts of interest. Just personalized advice when you need it, how you need it. Whether you’re planning for retirement, navigating a big life change, or simply want a second opinion, we’re here to empower you with clarity and confidence.
Your Personalized Plan, Your WayWe start by collaborating with you to craft a firm, tailored quote. Together, we’ll dive into the details of your situation—assessing the complexity and scope—to determine the exact number of hours needed to build your perfect plan. No guesswork, just precision.Once your plan is delivered, you’re in the driver’s seat. Need a quick answer? We’re here for you with fast, reliable support. Prefer to let it simmer? That’s fine too—reach out months or years down the road, and we’ll pick up right where we left off, ready to refresh your plan or build a new one from scratch. With Barrett Financial Planning, you get flexibility, control, and a partner who’s always in your corner.
| Complexity | Low Complexity | Medium Complexity Low + | High Complexity Low + Medium + |
|---|---|---|---|
| Cash Flow | Emergency fund, Debt review | 5yr cash flow projection, Home purchase analysis | Long-term care cash flow analysis |
| Retirement Planning | Retirement contributions, Social security | Retirement projections, Pension election, Retirement withdrawal, Timing of retirement | Deferred compensation, Small business retirement plan selection |
| Investment Options | Asset class allocation | Specific advice for retirement/taxable accounts, Equity compensation | Private/Illiquid investments, Complex annuity guidance |
| Tax | Income tax planning, Charitable giving | Estate design, Review of existing docs, Charitable estate planning | Estate tax advice |
| Insurance | Coverage guidelines | Specific advice on life insurance (types/amounts), Existing term policies | ILIT, Specific advice on term/permanent policies, |
| Life Events | Education planning, Employee benefits | Windfall planning | Complex estate/asset transfer |
| Complexity | Hours | Hourly Rate | Cost |
|---|---|---|---|
| Low | 10 - 20 | $300 | $3,000 - $6,000 |
| Medium | 15 - 30 | $300 | $4,500 - $9,000 |
| High | 40 + | $500 | $20,000 + |
How It WorksYour Financial Plan, Step by StepAt Barrett Financial Planning, we’ve designed a process that’s as straightforward as our hourly approach. Here’s what you can expect:1. Free Initial Discussion
We start with a no-cost, no-pressure conversation. I’ll get to know your situation, assess the complexity of your needs, and provide a firm quote for your initial financial plan. No surprises—just clarity from the start.2. Deep Dive Analysis
Once we’re aligned, I roll up my sleeves and dig into your financial picture. From income and expenses to investments and goals, I’ll analyze it all with an unbiased eye.3. Your Plan, Delivered
I’ll craft a personalized financial plan tailored to you, complete with clear recommendations. We’ll walk through it together, and I’ll answer every question you have—big or small.4. Ongoing Flexibility
After your plan is in hand, you’re in control. Need a quick answer down the road? Facing a major life change that calls for a new plan? I’m here on your terms, with no minimum fees or long-term commitments. Whether it’s a 15-minute chat or a full refresh, you decide when and how we work together.Our process is built to fit your life—not the other way around. Ready to get started? Let’s schedule your free discussion today!
Your Financial Guide—Straightforward, Personal, and Built for YouWelcome to Barrett Financial Planning, where I’m reimagining financial advice one client at a time. I’m Zach Lundak, CFA, CFP® and I founded this business because I saw too many people stuck with the same old wealth management model—paying asset-based fees or navigating commission-driven advice that didn’t always put them first. I knew there had to be a better way.That’s why I offer hourly financial planning: clear, unbiased guidance tailored to your needs, with no hidden costs or agendas. Whether you are still building wealth or stepping into retirement, I’m here to help you make sense of your finances—on your terms. No question is too small, no goal too big. You get my full attention and expertise, billed simply by the hour.I started Barrett Financial Planning to give you what the industry often overlooks: flexibility, transparency, and a genuine focus on your success. Think of me as your personal financial ally—someone who’s in your corner, ready to strategize and support you whenever you need it.Let’s build your financial future together. I’d love to chat and see how I can help.
Who Should Hire Us?“Am I on the right track?”
Whether you’re saving for a big goal or just want a reality check, I’ll give you a clear, straightforward assessment to build your confidence—or steer you back on course.“Are there things I should be doing differently?”
From fine-tuning your investments to rethinking overall strategy, I’ll pinpoint opportunities and craft strategies that fit your unique life.“Who will be my thought partner when things change?”
Life throws curveballs—new jobs, market shifts, family changes. I’m your flexible, hourly guide, ready to adapt with you whenever you need me.“Who will I turn to if something happens to my spouse?”
Losing a partner is overwhelming, and the financial questions can feel endless. I’ll step in with steady, compassionate advice to help you navigate what’s next.“Who can help prepare my children to manage their finances well?”
Beyond your own planning, I’ll teach your kids the skills and habits to handle money wisely—because your legacy deserves it.If any of these hit home, you’re who I built Barrett Financial Planning for. No asset-based fees, no product sales—just hourly, unbiased advice tailored to your needs. I’m here to answer your questions, ease your worries, and empower you to take control.
Your Financial Plan, Step by StepAt Barrett Financial Planning, we’ve designed a process that’s as straightforward as our hourly approach. Here’s what you can expect:1. Free Initial Discussion
We start with a no-cost, no-pressure conversation. I’ll get to know your situation, assess the complexity of your needs, and provide a firm quote for your initial financial plan. No surprises—just clarity from the start.2. Deep Dive Analysis
Once we’re aligned, I roll up my sleeves and dig into your financial picture. From income and expenses to investments and goals, I’ll analyze it all with an unbiased eye.3. Your Plan, Delivered
I’ll craft a personalized financial plan tailored to you, complete with clear recommendations. We’ll walk through it together, and I’ll answer every question you have—big or small.4. Ongoing Flexibility
After your plan is in hand, you’re in control. Need a quick answer down the road? Facing a major life change that calls for a new plan? I’m here on your terms, with no minimum fees or long-term commitments. Whether it’s a 15-minute chat or a full refresh, you decide when and how we work together.Our process is built to fit your life—not the other way around. Ready to get started? Let’s schedule your free discussion today!