Financial Planning for Working Parents
RightWise Wealth provides fee-only, fiduciary financial planning and investment management tailored to dual-career working parents. We align spouses on shared values, model childcare cash flow and major life milestones, optimize equity compensation, and integrate attorney-grade estate planning documents—including wills and revocable trusts—directly into our annual advisory fee.
“Could we afford for one of us to take a more flexible role for a while?”
“There’s no way my college would cost that much to attend, really??”
“Who becomes legal guardian if one day I don’t wake up?”
“I swear I could do this all myself if I just had more time”
You Won’t Have to Explain To Us
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What fertility treatments and childcare actually cost
No illusions over here. We’ve seen what IVF costs in New York, what extended care nannies charge in San Francisco, and the 4% “second kid discount” at daycares across this great land.
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You and your partner sometimes see things differently
Save up for tomorrow or live while the kids are young? Diversify that crazy tech stock or ride the roller coaster? Review the numbers yet again or decide already? We can help you get on the same page.
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Life felt different before
You used to have extra time; you used to have extra money. Now you don’t have time to fire up tabs of research and you don’t hit savings goals without realizing it. Your village can include a financial advisor.
What RightWise Wealth Looks Like for Working Parents
Service Highlights
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First it’s daycare. Then daycare for a second child. Then aftercare costs. Then summer camps. When are you supposed to save for college or retirement when these waves keep hitting? You don’t have to guess. Our projections can give you answers.
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You are not the first Millennial we’ve met with nine checking accounts. We can help you organize and optimize your account structures so your financial picture feels fresh and crisp, like an Instagram-perfect pantry.
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Could one parent step back in their career, either by working for themselves, taking a more flexible role or providing full-time childcare? We can stress-test your retirement, housing and college goals across income scenarios.
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Even as your expenses rise, these are often your highest-earning (and highest taxed) years. We can help you build practical, tax-efficient flexible long-term wealth in your taxable brokerage.
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God forbid, if something happened, you would want finances to be the last thing on your grieving spouse’s mind. We can help you size your insurance need and recommend efficient strategies to protect your family. (Note: our fee-only firm does not sell insurance, just education and planning. No commissions here.)
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We provide structure, education and project management without the drumbeat of an attorney’s hourly clock. Through our integrated partnership with Vanilla, we provide access to attorney-grade wills, revocable living trusts, healthcare directives, and financial powers of attorney as part of our core service. (Alternatively, we can set you up to work with an attorney directly.)
A Financial Advisor for Your Village
Hiring a financial advisor is a technical decision — you want to understand their compensation, their qualifications — but it’s also straight vibes. Set up a no-pressure conversation and get to know us.