How we work
Here's what working together actually looks like.
Every situation is different, but the rhythm of our work follows a clear pattern.
Getting started · three meetings
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First meeting
Discovery
A deep conversation about goals, family, concerns, and history. We collect statements, tax returns, estate documents, and insurance policies.
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Second meeting
Plan delivery
We walk through your full financial picture, our recommendations, and priorities for the year ahead. You leave with a written plan and a clear list of action items.
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Third meeting
Implementation
Account transfers, beneficiary updates, insurance adjustments, and the first tax planning moves.
The ongoing rhythm
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Throughout the year
Scheduled reviews. Plan updates as your life changes. We're available between meetings whenever you need us.
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Year-end
Dedicated meeting to discuss tax projections, Roth conversion analysis, charitable strategy, year-end gifting.
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Tax season
Your return is prepared by our partner CPA firm, working from the same financial picture as your plan. You don't repeat your story to a stranger.
The status quo
This is what most people call "having an advisor."
A typical financial life involves four professionals. A broker who watches your investments. A CPA you see in March. An estate attorney you met once a decade ago. An insurance agent you haven't heard from in years.
They rarely talk to each other. Each one sees a quarter of the picture and assumes the others have the rest covered. Every gap between them is yours to manage.
Four people, four directions
Each one sees a quarter of the picture.
Your broker doesn't read your tax return. Your CPA doesn't see your estate documents. Your estate attorney has never met your insurance agent.
The gaps between them are yours to manage. That's not advice. That's coordination work.
The Proper Planning model
Four disciplines. One team.
Investments, planning, taxes, and estate, done by the same team, with the same view of your goals, against the same plan.
The Proper Planning model
Four disciplines. One team.
We built Proper Planning around a simple idea: the things that actually drive your financial outcomes (investments, planning, taxes, and estate) should be done by the same team, with the same view of your goals, against the same plan.
Not referrals. Not coordination calls. Integration.
Our pricing reflects the same idea. No surprise invoices. No upselling. Just clear, ongoing advice built around your best interests.
The custodian behind your account
Your assets are held at LPL Financial, the largest independent broker-dealer in the country.
Ranked #340 on the 2025 Fortune 500. The same infrastructure used by tens of thousands of advisors and institutional clients.
Assets serviced
In brokerage and advisory assets serviced or custodied.
Client accounts
Individual client accounts in LPL's system.
Financial advisors
Independent financial advisors served by LPL nationwide.
Institutional partners
Banks and credit unions partnering with LPL.
Let’s talk about how we can help.
*Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
Proper Planning & Wealth Management and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.