Orchard RowFamily Financial Planning

For families in the growing years

Money that grows at the speed of a family.

Not overnight. Not by luck. Ring by ring — the college fund, the retirement accounts, the just-in-case — planted early and tended every season. That's the whole secret, and we'll help you do it.

Book a free hour No minimums · Flat monthly price · (614) 555-0162
Planted in 2011420+ family plans tended since
420+Families we plan for
$0Account minimum
100%Fee-only fiduciary
15 yrsTending Ohio families

The four seasons of a family's money

Every family is in one of these. Which is yours?

A young sapling staked in an orchard row
Spring · Planting

New job, new baby, new mortgage

The paycheck finally has to do six things at once. We set the order: emergency fund, employer match, debt, then the first real investments — sized so life still fits.

Apple blossoms in morning light
Summer · Growing

The full-bloom years

Two careers, kids in everything, money moving fast. We automate the saving, right-size the insurance, and start the college fund while the trees have decades to grow.

Preserved fruit jars and a crate of apples on a farm table
Autumn · Harvest

Tuition, and then your turn

The college fund gets picked; retirement comes into view. We turn savings into income streams and make sure the harvest is taxed gently and lasts.

A wooden swing hanging from an old oak in golden light
Winter · Keeping

Protecting what you grew

Wills, beneficiaries, guardianship, the file your family hopes they never need. Quiet work that means everything you planted passes on intact.

Your growth rings

Watch the years add up.

A tree records every year as a ring. So does a plan: each ring below is a year of steady saving — $500 a month at 7% average growth. Slide through time and watch the milestones arrive.

Ring 10 — roots are set

About $86,000 grown from $60,000 saved. The compounding has started doing real work alongside you.

$86kAfter 10 years

What we actually do

Plain-language planning, all under one roof.

The Family Plan

One living document: cash flow, goals, gaps, and this year's three moves. Rewritten together every season of life.

Investing, kept simple

Low-cost index portfolios matched to each goal's timeline. No hot tips, no products — just patient, boring growth.

College, funded calmly

529 plans, contribution targets, and honest math on what "enough" looks like — started while kindergarten is still the big event.

Retirement on schedule

401(k)s, IRAs, and Roth strategy coordinated across both careers, so future-you is funded without starving present-you.

Protection that fits

Term life and disability coverage sized to your real obligations — bought once, correctly, from whoever's cheapest.

The Someday File

Wills, beneficiaries, guardians, passwords — organized into one place your family could actually find and follow.

From the families

People like you, a few rings ahead.

We walked in with three 401(k)s from old jobs, a car loan, and pure guilt. We walked out with a one-page plan. I cried a little, honestly.

Maya & Devon R. Westerville · clients since 2019

They told us to spend more on the kids' summer camp and less on a bigger house. Who says that? Someone who isn't paid on commission.

The Okafor family Grandview · clients since 2021

Our daughter starts college next fall. The 529 we planted at her first birthday covers it. Fifteen years of small deposits. It works.

Jim & Carol T. Dublin · clients since 2010

One honest price

Less than the family phone plan.

Most advisors want 1% of your money or a $500k minimum. That locks out the exact families who need planning most — so we priced it like the household service it is. Cancel anytime; the plan is yours to keep.

If you'd rather we manage the investments too, that's a simple 0.5% on top — still fee-only, still fiduciary, always.

The Family Plan

$189 / month

  • Full written plan, refreshed every season
  • Two planning meetings a year + unlimited quick questions
  • College, retirement, insurance & estate basics included
  • No minimums, no commissions, no products sold

Free, friendly, no strings

The best time to plant was ten years ago. The second best is this week.

One free hour. Bring the shoebox of statements — we've seen worse, we promise.