Michael Hart (CFP®)
Michael Hart focuses in the
following client markets or areas of practice:
- Cash Flow/Budgets/Credit Issues
- College/Education Planning
- Financial Psychology/Coaching
- Hourly
- Millennials
- Novice Investors
- Cash Flow/Budgets/Credit Issues
- College/Education Planning
- Financial Psychology/Coaching
- Hourly
- Millennials
- Novice Investors
Planning Specialties
We specialize in providing comprehensive, hourly-based financial planning for individuals and families seeking clarity, confidence, and a personalized strategy. Our core specialties include: ?? Retirement Planning – Whether you’re decades away or right around the corner, we help you build a sustainable retirement income strategy, optimize Social Security, and plan efficient withdrawals from IRAs, Roths, and taxable accounts. ?? Tax Planning – From Roth conversions to tax-loss harvesting and managing RSUs or bonuses, we focus on minimizing your lifetime tax bill—not just this year’s. ?? Equity Compensation – We work with professionals navigating stock options, RSUs, ESPPs, and concentrated stock positions to build tax-aware, goal-aligned strategies. ?? Cash Flow & Budgeting – We help bring structure and intention to your spending, savings, and debt repayment plans without rigid budgeting tools. ?? College Planning – Whether you’re planning for one child or several, we help you set savings targets, evaluate 529 plans, and understand financial aid impacts. ?? Estate & Insurance Planning – We ensure you have the right legal documents in place and adequate risk protection without overpaying for unnecessary coverage. ?? Behavioral Coaching – We integrate behavioral finance principles to help you avoid emotional decision-making and stick with your long-term strategy.Additional Information
At our firm, we offer advice-only, fee-only financial planning with a transparent, flat hourly rate. We specialize in working with young and middle-aged professionals, pre-retirees, and retirees who want objective, actionable guidance to make confident financial decisions. We help clients navigate a wide range of planning areas—from retirement readiness and stock options to tax strategy, insurance, estate planning, college savings, and more. Whether you're just starting out or preparing for your next chapter, we provide the clarity and structure to move forward with purpose. Our approach is rooted in education and empowerment. We believe financial advice should be understandable, practical, and tailored to your goals—not buried in jargon or built around arbitrary rules of thumb. We also focus on the behavioral side of financial planning. Money is deeply emotional, and our decisions aren’t always rational. That’s why we incorporate insights from behavioral finance to help clients better understand their habits, improve decision-making, and stay aligned with their long-term goals—even when markets get choppy or life throws a curveball. We aim to be more than just planners—we’re thinking partners, guides, and educators committed to helping you make the most of your financial life.NAPFA Start Date
March 24, 2025
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