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Financial Planning for High-Earning Couples

When your household income earns $350k+ and your balance sheet is growing fast, the complexity isn't just financial, it's relational. Equity vesting schedules, concetrated stock positions, tax bracket exposure, and retirement decisions require more proactive planning. We specialize in helping dual-income couples navigate significant wealth, so every recommendation is tailored to you.
One-Time Financial Plan

A one-time financial plan is for those who need specialized expertise, without ongoing commitment. You'll get access to:

  • 2 1-hour meetings with a CFP® professional.
  • Immediate answers to all of your money questions.
  • 30 days of unlimited email correspondence.
  • Created for DIYers.
  • Paid in 2 installments.
  • Immediate access to our ongoing financial planning service if you need additional help implementing our recommendations.

Starting at
$3,000 / financial plan

Schedule a Free Consultation
Ongoing Wealth Partnership
Starting at $8,500/yr.

You've reached the stage where financial decisions have real consequeneces, in taxes, in wealth accumulation, and in your family's long-term security. This is our core engagement for high-earning couples who want a proactive, coordinated strategy across every aspect of their financial life.

  • Dedicated CFP® professionals who specialize in high-income, high-asset households.
  • Fee-only: no comissions, no products, no conflicts of interest.
  • Proactive tax strategy, not just year-end reactions.
  • Coordinated investment management across all household accounts.
  • Equity compensation planning - RSUs, NQSOs, ISOs built for your overall strategy.
  • A fiduciary team accountable to both partners equally.
  • On-demand access as major decisions arise because they won't wait for a scheduled meeting.
  • 24/7 access to your financial planning dashboard.

Starting at
$6,000 / year

Schedule a Free Consultation

Our Process

Once you commit to working with us, we will take you through our 3 meeting onboarding process to build our partnership's foundation. After the onboarding process we will meet with you proactively throughout the year to dive deep into all aspects of your financial plan.
1. Discovery Meeting
 We complete a values exercise around your financial life and lay the foundation to provide the best ongoing recommendations for you. Our goal with this meeting is to deliver you advice that is tailored to personal and financial needs.
2. Investment Meeting
Together we develop a a houshold investment strategy. We review portfolio options including Environmental, Social, and Governance (ESG) investments. We also reallocate your employer accounts to match across all of your investments. After this meeting, we onboard you onto our investment management platform.
3. Current Reality Meeting
We review your household balance sheet to create greater transparency. Then, we review your household's cash flow and develop recommendations to automate savings to your specific objectives.

How We Help

Cash Flow

Cash Planning

  • Review income sources and develop a strategic plan to utilize cash flow wisely
  • Calculate your appropriate savings requirement
  • Determine priorities for automating surplus savings and cash flow

Spending

  • Calculate your combined bills and spending plan
  • Structure bank accounts to automate household cash flow
  • Strategically combine finances for seamless household management

Investments

Current Investment Review

  • Analyze asset allocation of each partner
  • Determine your household risk preference
  • Review concentrated positions due to company stock compensation

Professionally Managed Investments

  • Onboarding with our investment management platform provided through Charles Schwab
  • Create your future allocation for individual and combined investment accounts
  • Implementation of Environment, Social, and Governance [ESG] portfolios
  • Rebalancing employer retirement plans including 401(k), 403(b), 457 and HSA accounts

Tax Planning

Tax Analysis and Preparation

  • Guidance on minimizing overall tax liability
  • Midyear tax projections to identify opportunities for deductions, credits, and efficient strategies
  • Review of tax-deferred and tax-free accounts allocations
  • Review risk and tax exposure when selling company stock
  • Analysis of Roth conversions in lower income years
  • Optimize tax-efficiency for your business
  • Establishing tax-advantaged savings plans for self-employed
  • Assess opportunities to give strategically including opening donor-advised funds
  • Integrated tax filing services through our accounting team

Retirement and Education

Retirement Projections

  • Analyze current retirement projections
  • Adjust scenarios to account for your priorities including early retirement
  • Discuss appropriate savings strategy to fund your future goals
  • Review your retirement distribution strategies

Education Planning

  • Review options for education planning including UTMAs/UGMAs, 529 Plans, and Custodial accounts
  • Examine current savings rate on its impact on future higher education expenses





We created Fyooz Financial Planning to start our dream of money empowerment for the next generation of couples. We are a married couple and both CFP® professionals that specialize in working with high-earnings couples.

Think of us as your trusted advisors who help you think through your financial goals and take the right steps to get there. Our goal is to help you take control of your money and build the wealth you want, to do what you want.




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Start your financial
journey now

Our goal is to help you understand how your asset allocation, tax allocation, and investment selections impact your financial goals. We actively manage our clients' investments. It's time to get serious about your money, together.
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Locations:
Minneapolis, MN
121 Washington Ave. N, 2nd Floor
Minneapolis, MN 55401
Portland, OR
2175 NW Raleigh Street, Suite #110
Portland, OR 97210
Fyooz Financial Planning is a Registered Investment Advisor in the States of Minnesota, California, New York, Oregon, Washington, and Texas. Prior to any work conducted outside these states, Fyooz Financial Planning would become registered in that jurisdiction or qualify for an exemption or exclusion to the registration.
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