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630 East Green Meadows Road, Columbia, MO 65201

(573) 875-8005
info@rockbridgefa.com
Planning service menu

Planning built for the financial reality of college coaching.

Your career doesn't always move linearly, as much as you might like it to! Income changes. Contracts change. Benefits change. Family decisions, retirement choices, and long-term goals still have to be handled with a clear head. These planning tiers are built around the level of complexity you are carrying.

Organize the basics

Standard Planning

$500 onboarding + $149/month

For coaches who want their financial life organized, protected, and easier to make decisions around, or who are just getting started in their career.

Best for coaches who want to:
  • Get organized without turning planning into a second job.
  • Understand where they stand and what needs attention first.
  • Make cleaner money decisions with steady guidance.
See what is included
Covers:
  • General financial planning analysis
  • Insurance and risk review
  • Personal financial planning
  • Employer retirement plan education
Coordinate the moving parts

Enhanced Planning

$1,000 onboarding + $299/month

For coaches dealing with uneven income, contract decisions, education costs, and retirement choices that need more coordination.

Best for coaches who want to:
  • Build systems around inconsistent or seasonal income.
  • Turn compensation and contract details into a real plan.
  • Balance retirement progress, education costs, and family decisions.
See what is included
Covers:
  • Everything in Standard Planning
  • Cash flow planning
  • Compensation strategy
  • Education and student loan planning
  • Retirement accumulation and income strategy
Plan the bigger picture

Advanced Planning

$1,500 onboarding + $599/month

For coaches with more moving parts across business income, wealth, charitable giving, estate planning, and family or legacy decisions.

Best for coaches who want to:
  • Coordinate bigger financial decisions across multiple areas.
  • Use wealth intentionally instead of just accumulating more of it.
  • Plan around family, legacy, charitable giving, and outside business interests.
See what is included
Covers:
  • Everything in Enhanced Planning
  • Business planning
  • Wealth accumulation and decumulation strategy
  • Charitable giving strategies
  • Estate planning coordination
  • Multigenerational planning
Not sure where you fit? Don't worry, that's part of what we sort out in the first conversation. We'll discuss your situation and what level of service, if any, best fits your unique needs and situation.
Start the Conversation
A short conversation to understand what you're trying to solve, whether planning makes sense, and which level of support for you, if any, is actually appropriate.

Financial Season Schedule

Planning that follows the coaching year.

College coaches do not live on a normal financial calendar. Contracts change, benefits windows come and go, side income pops up, tax questions pile up, and family decisions rarely wait for a convenient time. This schedule shows how planning work is organized throughout the year so important decisions are not handled randomly or at the last minute.

Use the filters below.

See how Standard, Enhanced, Advanced, and Managed Assets work shows up across the year. Because apparently your financial life needed a season schedule too.

Standard Planning Enhanced Planning Advanced Planning Managed Assets

Winter: organize, review, and reset

January

Start the year with a clean financial picture.

  • Winter planning check-in + strategy
  • Tax forms map (CPA copy)
  • RBFA investment committee meeting
  • Quarterly portfolio review (internal)
What this means

January is where we organize the household picture before tax forms, benefits decisions, and contract questions start piling up like unread recruiting emails.

February

Review winter cash flow and side income before spring chaos.

  • Cash flow strategy review check-in
  • Side income winter review check-in
  • RBFA investment committee meeting
  • Semiannual rebalance (internal)
What this means

This is a good time to check whether the plan is holding up after the holidays, winter travel, camp income, or other irregular cash flow events.

March

Get ahead of spring benefits and household decisions.

  • Spring open enrollment prep (if applicable)
  • Benefits playbook for fall open enrollment
  • Family money huddle availability
  • RBFA investment committee meeting
What this means

Benefits decisions are easier when you are not trying to decode plan documents at the last second while also pretending March is a normal month.

Spring: adjust, coordinate, and prepare

April

Bring spring decisions back into the plan.

  • Spring planning check-in + strategy
  • Cash flow strategy review check-in
  • RBFA investment committee meeting
  • Quarterly portfolio review (internal)
What this means

April is useful for reconnecting tax season, benefits choices, and cash flow with the actual goals for the year. Wild concept: planning should talk to itself.

May

Review taxes, contract timing, and summer side income.

  • Tax return upload
  • Contract checkpoint (July list)
  • Side income summer prep check-in
  • RBFA investment committee meeting
What this means

Tax returns, contract changes, and side income create useful planning clues. May is where those clues stop being random documents in a portal somewhere.

June

Annual review season for managed portfolios.

  • Annual review meeting
  • RBFA investment committee meeting
What this means

This is a focused review point for managed assets: what changed, what still fits, and what needs to be adjusted before the next half of the year.

Summer: review, rebalance, and reset

July

Annual review season for managed portfolios.

  • Annual review meeting
  • RBFA investment committee meeting
  • Quarterly portfolio review (internal)
What this means

This is a focused review point for managed assets: what changed, what still fits, and what needs to be adjusted before the next half of the year.

August

Revisit cash flow, side income, and rebalance work.

  • Cash flow strategy review check-in
  • Side income winter review check-in
  • RBFA investment committee meeting
  • Semiannual rebalance (internal)
What this means

August is a reset point before the fall sprint: cash flow, side income, and investments all get checked before schedules get weird again.

September

Get benefits and family money decisions ready for fall.

  • Fall open enrollment prep (if applicable)
  • Benefits playbook for spring open enrollment
  • Family money huddle availability
  • RBFA investment committee meeting
What this means

Open enrollment and family decisions are much less painful when the household has time to talk, compare options, and not make choices in a panic.

Fall: tax coordination and year-end moves

October

Fall planning, cash flow, and portfolio review.

  • Fall planning check-in + strategy
  • Cash flow strategy review check-in
  • RBFA investment committee meeting
  • Quarterly portfolio review (internal)
What this means

October keeps the household plan from drifting before year-end tax moves, contract timing, and benefits decisions start demanding attention.

November

Coordinate contracts, taxes, and side income before year-end.

  • Contract checkpoint (January list)
  • Tax coordination check
  • Side income winter prep check-in
  • RBFA investment committee meeting
  • Portfolio tax review (internal)
What this means

November is where year-end coordination starts getting real: tax planning, contract timing, side income, and portfolio review all need to talk to each other.

December

Finish year-end tax coordination and prep the next cycle.

  • Cash flow strategy review check-in
  • Tax coordination follow-through
  • RBFA investment committee meeting
  • Portfolio tax actions (internal)
What this means

December is for the final year-end moves, not for discovering that tax coordination should have started weeks ago. Humanity tries this every year anyway.

Want planning that follows the rhythm of your coaching career?

If you’re a college coach and want financial guidance built around the way your year actually works, this is where the conversation starts.

Start the Conversation
Planning fee credits

Your planning fee can be reduced when we also manage assets for you.

Some coaches need planning only. Others want planning and investment management working together. When you maintain qualifying managed assets with us, you may receive a planning fee credit that reduces your monthly planning membership cost.

What does that mean?

If we manage qualifying assets for you under an advisory agreement, part or all of your monthly planning fee may be credited. The more qualifying assets we manage, the larger the planning fee credit can be.

How it works

  • Credits reduce the monthly planning membership fee.
  • Credits apply going forward once assets are confirmed.
  • Credits do not reduce investment management fees.

Standard Planning

Regular planning fee: $149/month

$200,000+ qualifying managed assets
Standard planning fee waived
$0/month

Enhanced Planning

Regular planning fee: $299/month

$200,000+ qualifying managed assets
Enhanced billed at Standard rate
$149/month
$400,000+ qualifying managed assets
Enhanced planning fee waived
$0/month

Advanced Planning

Regular planning fee: $599/month

$400,000+ qualifying managed assets
Advanced billed at Enhanced rate
$299/month
$600,000+ qualifying managed assets
Advanced billed at Standard rate
$149/month
$800,000+ qualifying managed assets
Advanced planning fee waived
$0/month
Important: This section is meant to show the basic credit structure. The FAQ below explains timing, qualifying managed assets, onboarding fee waivers, market movement, RMDs, and other details. If you're still uncertain, please reach out and ask. I'll be happy to talk it through with you.

Investment Management Fees

Investment management fees are separate from planning membership fees.

If investment management is part of your planning relationship, advisory fees are based on the nature and complexity of the accounts being managed, as well as the investment approach that fits your situation.

  • Advisory fees are charged as a percentage of managed assets.
  • Fees are typically withdrawn from managed accounts quarterly.
  • The expected advisory fee is discussed early in the process, before any decision is made to move assets.
  • Investment management is overseen by the investment committee at Rock Bridge Financial Advisors, of which I am a member.

Investment management may or may not be part of your planning relationship. If it's worth discussing, we'll talk through the investment approach, the expected advisory fee, and whether moving assets actually makes sense before any decision is made.

The first step is a conversation about your situation.

Start the conversation

Planning Fee Credits FAQ

  • No. Asset-based onboarding waivers are only determined during onboarding (within the first 90 days or by plan delivery). If you add assets later, that can reduce your monthly planning fee going forward, but it doesn't retroactively refund onboarding.

  • Your monthly planning fee can be reduced starting with a future billing cycle once assets are confirmed. Think "going forward," not "back pay."

  • Assets held in accounts we manage under an advisory agreement and that are subject to advisory fees. Accounts we can't manage or that aren't billed under advisory management don't count.

  • Typically, the next billing cycle is after assets are confirmed and accepted into advisory management. Custodian paperwork can move at the speed of... paperwork.

  • Your planning fee credit won't be reduced just because markets fluctuate or because you take required distributions (like RMDs). The goal is predictable pricing.

  • Credits may change going forward if there's a significant client-initiated transfer of managed assets away from advisory management (beyond normal distributions).

  • You can. This is just to prevent situations where someone moves a large portion of assets away while keeping an AUM-based discount indefinitely.

  • No. Planning fee credits apply only to your planning membership fee, not the advisory management fee.


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If you're a college coach looking for an advisor who understands your profession, start here

We’ll talk through your situation, the decisions in front of you, and whether working together would actually make sense.

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