Cash flow and tax map
Each January we rebuild your cash-flow map, estimate the year's tax bill and decide which account gets the next dollar, so April holds no surprises.
Fee-only financial planning · Burlington, Vermont
One plan for the whole household, written down and kept current.
Halloran Reed Planning is a small fiduciary practice that sits down with families every quarter to line up savings, taxes, insurance, college and retirement on a single page. You pay a flat monthly retainer. Nobody here is ever paid to sell you a product.
Intro calls run thirty minutes and cost nothing.
Memberships and referral partners
- Vermont Planners Guild
- Fiduciary Pledge Circle
- Green Mountain CPA Network
- Lakeside Estate Counsel
- Champlain Credit Union
Planning that reaches well past the portfolio
Most families do not need a clever fund. They need someone to notice that the insurance renewal, the bonus and the college deadline all land in the same quarter.
College and family goals
Seven-year-old twins and a mortgage that just reset? We model education savings next to everything else instead of treating a 529 as a separate project.
Insurance gap review
We read your life, disability and umbrella policies line by line, then tell you what to drop, what to keep and what is missing. We do not sell a single policy.
Investment oversight
Low-cost, diversified portfolios are rebalanced on a written schedule, with a one-page letter every quarter explaining what moved and why.
Estate paperwork
Beneficiaries, powers of attorney and trust funding are checked against your plan, then handed to your attorney with a clear cover note.
How a new household settles in
- 01
Intro call
Thirty minutes about what keeps you up at night, who else is involved, and whether our retainer fits your situation. If it does not, we say so.
- 02
Fact-finding
You share account statements, pay stubs and last year's return through a secure folder. Maren builds the first cash-flow map before we meet again.
- 03
Plan delivery
In week six we walk through a written plan of about fifteen pages, with three decisions flagged for you and a date next to each one.
- 04
Quarterly rhythm
From then on you get a short agenda, a progress letter and a standing meeting. Between meetings, email gets a human reply within one business day.
The practice in numbers (sample figures)
- Households on a retainer
- 64
- Planning for Vermont families
- 11 years
- Commissions or product fees earned
- $0
- Scheduled planning meetings each year
- 4
Households on the retainer
“They found an old disability policy that would have paid a third of what we thought. Fixing it took one phone call and cost less than our cable bill.”
“The quarterly letter is one page and I actually read it. For the first time I can tell my spouse where our bonus is going before it arrives.”
“When Dad passed, Maren already had the beneficiary list, the attorney's number and a checklist. We were organised on the hardest week of our lives.”
Composite quotes from fictional clients.
Flat monthly retainers
There is no assets-under-management percentage and no commission. Choose the tier that matches how many moving parts your household has.
Yearly billing takes 20% off
Foundation
For a single household with straightforward income who wants a written plan and an annual check-up.
$175/mo
- Written plan and annual update
- Two planning meetings a year
- Insurance and beneficiary review
Household
Quarterly meetings, active investment oversight and tax projections for families with college or business income.
$325/mo
- Four meetings a year
- Portfolio oversight and rebalancing
- Tax projection each quarter
Legacy
For households coordinating equity pay, rental property or an estate plan with their attorney and accountant.
$540/mo
- Everything in Household
- Equity compensation planning
- Attorney and CPA coordination
Questions families ask before booking
Are you a fiduciary all the time?
Yes. We act in your interest on every recommendation, and we are paid only by your retainer. Our disclosure document is sent before you sign anything.
Do you hold my money?
No. Your accounts stay at an independent custodian in your name. We have trading permission, never the ability to move cash anywhere but back to you.
What if my situation is simple?
Then the Foundation tier is probably enough, and we will tell you if a one-time plan review would serve you better than a retainer.
Can I bring my accountant to a meeting?
Please do. Many of our best outcomes come from a thirty-minute call with your CPA before a big decision, and we schedule those at no extra charge.
How do you handle a market drop?
We reread the plan with you before touching the portfolio. Most of the time the answer is nothing, and we put the reasoning in writing so it is easy to check.
Start with a conversation, not a sales pitch.
Tell us who is in your household and what decision is coming up. We will reply within a business day with two times that suit you.
Visit the Burlington office
14 Lakeview Row, Suite 3, Burlington, VT (fictional address)
- Mon–Thu 9:00–17:00 ET
- Fri 9:00–13:00 ET, by appointment
+1 (802) 555-0143