Stewardship, together.

Comprehensive financial planning, built around your life.

I help high earners and retirees make better financial decisions, and feel good about them.

Book a 15 to 30 minute call
Jesse Plunkett with his golden retriever, Nala

We might be a good fit.

You're an expert at what you do. Money probably isn't the thing you've had the time, or the interest, to master. What you want most isn't to become a markets expert; it's your time and your peace of mind, knowing this part of your life is handled well.

That part is my field. And I'm living a lot of what you're living: raising kids, a high and complicated joint household income, and two family businesses. One is this practice; the other is my wife's two medical spas, where I'm hands-on as well. So none of this is theoretical for me.

Here's where we start. Before I recommend a single thing, I'll get to know your priorities well enough to say them back to you, until you think "yes, exactly." Get that right, and the rest of the plan makes sense.

Here's what you'll find on this page:

Who I work best with

This is probably you if

  • You earn well, but your financial life is more scattered than your career would suggest.
  • You value delegation, specialization, and ongoing support.
  • You don't have the time, desire, or interest to give your financial life the attention it deserves.
  • You're retired or close, and you want to enjoy what you built and be thoughtful about what you leave behind.

You're probably not a fit if

  • You just want someone to manage your money without talking about your life.
  • You're looking for the lowest fee possible.
  • You want to trade individual stocks, or have someone validate your picks.
  • You want to keep control of every financial decision, or you're just looking for a one-time review of a plan you'll keep running yourself.

How I'm paid, in plain English

Jesse working at his desk with his dog Nala

I'm paid one transparent annual fee based on the assets I manage for you. You'll always know what you pay and what it covers, and I'll walk through it with you at least once a year. Full cost transparency is the point.

I ask to manage all of the assets you have available for direct management, so the advice stays integrated across your whole financial life and we head off taxable surprises.

Because I'm independent and not tied to any product line or house strategy, I can recommend what actually fits your situation, not what someone needs to sell.

Assets managedAnnual fee
Under $1,000,0001.1% (with a $5,000 minimum fee)
$1,000,000 to $2,000,0001.0%
$2,000,000 to $4,000,0000.85%
Above $4,000,000Negotiable

A glimpse of how I help

Invest with a plan, not a hunch

Diversified, low cost, and evidence-based, built around your priorities and what you can actually hold through a rough year. The right investments in the right accounts, too, which lifts what you keep after tax.

Pay less tax over your lifetime

Every move runs through a tax lens: Roth conversions, gains thresholds, Medicare income lines. I coordinate with your CPA (I don't prepare your returns) so your investments and taxes stop pulling in different directions.

Protect the people who count on you

Life and disability coverage, sized to the real risk, so one bad turn doesn't undo years of work. Planning, never a product pitch.

Know your income is handled

A clear picture of what you'll spend, where it comes from, and in what order, so retirement income feels steady instead of improvised.

Align your money with your life

We point your spending and saving at what you want from your time, then define what "enough" looks like so the goalposts stop moving. The aim is to fund the life you want and feel good about the choices, not to chase a bigger number for its own sake.

Decide well when the stakes are high

Markets, a job change, an inheritance, a scary headline. I help you think clearly and decide well, so short-term noise doesn't derail a long-term plan.

How working together works

15 to 30 min · virtual
A first call. We get to know each other and find out if we're a fit, both directions. No prep, no documents.
your pace
You send documents. Statements, tax returns, whatever's relevant.
60 to 90 min · virtual
Recommendations. Early observations and a clear set of next moves based on what you shared.
60 min · virtual
Investment philosophy. Enough that you could explain the approach to a friend. No surprises later.
60 min · virtual
Implementation and roadmap. What's in place, and what gets handled and watched through the year.
ongoing
The relationship. At least two review meetings a year, plus support whenever something comes up. Virtual by default.

See the full process →

Who you'd be working with

Hi, I'm Jesse.

Jesse Plunkett

My dad has been a financial advisor since before I was born, and still is. He taught me what a Roth IRA was years before I needed one and invested my lawn-mowing money in the market, so by the time I finished college it had grown into a head start. That is when it clicked why I find markets beautiful: they let anyone own a piece of great businesses, the greatest way to build wealth there is.

I started at Edward Jones in 2013 and went independent in 2025, for better tools and the freedom to go deeper on what moves the needle, taxes, planning, and the big decisions.

13 years of experience · CEPA and CRPC

Read the longer story →

A quick, useful starting point

7 Financial blind spots of high earners

1. Named beneficiaries override your will Beneficiary listings on investment accounts override your will entirely. Named an ex-spouse or a late parent? They still inherit, no matter what your will says…
  • 2 🔒
  • 3 🔒
  • 4 🔒
  • 5 🔒
  • 6 🔒
  • 7 🔒

What clients say

Reviews from Google

Clients were not compensated and there are no material conflicts of interest. Testimonials may not be reflective of the experience of all clients and are not a guarantee of future performance.

Let's find out if we're a fit.

Jesse holding the office door open with Nala

A short, low-key call. If we're not right for each other, I'll point you somewhere better.

  • Nothing to buy or sign
  • No fee of any kind
  • Nothing to prepare or bring
Book a call

Common questions

What kind of clients do you work with?

Mostly high earners who want their financial life organized and working harder, and retirees who want to make the most of what they have built.

How much does it cost to work with you?

One transparent annual fee based on the assets I manage, starting at a $5,000 minimum fee. You can see the full schedule on the pricing section above.

Do I need a certain amount of money to work with you?

My fee starts at a $5,000 annual minimum, based on the assets I manage for you. Comprehensive, ongoing planning tends to be the right fit once someone has built up meaningful assets to manage. If you are just getting started, the free calculators and guides on this site are the best place to begin.

Who actually holds my money?

Your assets are held by LPL Financial, one of the nation's leading wealth management firms and a premier platform for independent and hybrid registered investment advisors (RIAs), with over $2 trillion in client assets on platform. I direct investments on your behalf, but I cannot withdraw your funds, transfer them to outside accounts, or take possession of them in any form. The money never moves through me.

How do I see my accounts independently of you?

You have direct login access to your accounts through LPL Financial's client portal, completely separate from me. You also receive statements directly from LPL, not generated by me. That independence is intentional: your ability to see your balances, holdings, and transaction history at any time does not depend on me providing it to you.

Who supervises you?

As a registered representative affiliated with LPL Financial, I am subject to LPL's compliance department, which supervises my activity, communications, and client recommendations on an ongoing basis. LPL is itself regulated by FINRA and the SEC and subject to regular regulatory examinations. Operating independently does not mean operating without oversight. Learn more about LPL's regulatory structure.

How is my personal and financial information protected?

Your account data is held and secured by LPL Financial, which maintains institutional-grade cybersecurity infrastructure, encryption, multi-factor authentication, and third-party security audits. See LPL's privacy and security practices. On my end, I follow strict data handling practices and do not store sensitive client information in unsecured systems. If you have specific security questions, I am glad to walk through the details.

What if you're sick, traveling, or unreachable for a few days and I have an urgent need?

I bring my work laptop with me on trips, but if I'm ever unreachable, you always have access to LPL Financial directly. You also have Account View, which lets you see account balances, access statements and tax filing documents, and much more with a single sign-on. And all of my clients can text me directly and securely at any time.

What if something happens to you?

I have a formal succession agreement in place with another local LPL advisory group. If I were permanently unable to serve clients, your accounts and planning history would transfer to that firm and you would be contacted directly with clear next steps. Your assets remain held by LPL Financial throughout any transition.

Why work with you instead of a big firm with a recognizable name?

You get both. My practice runs on LPL Financial's platform, one of the nation's leading wealth management firms and a premier platform for independent and hybrid RIAs, with over $2 trillion in client assets. The infrastructure, oversight, and account security compare with any major firm. What you also get that you would not find at a large firm: no proprietary products I am incentivized to recommend, no rotation between advisors, and direct access to the person who actually knows your situation. The person you meet on the first call is the person managing your plan.

Do you work with clients in my state?

Almost always. Everything is handled virtually, so where you live is rarely a barrier. The only exception is a handful of states where I am not registered yet, and if that is you, I will tell you on our first call.

How do I get started?

Book a 15 to 30 minute call. There is nothing to prepare. We will figure out together whether we are a good fit.

Recent from The Steward's Desk

Plain-language writing on the decisions that come up most: retirement income, taxes, Social Security, and the behavior that quietly drives returns.

Retirement income

Sequence-of-returns risk: why the first years of retirement carry so much weight

Two retirees, same average return, different outcomes. Why the early years count double.

Tax planning

What is a Roth conversion, and when does it make sense?

Paying some tax now to skip more later: the mechanism, the window, and the side effects.

Investing

The behavior gap: why investors trail their own funds

Morningstar keeps finding that investors trail the very funds they own. Where the gap comes from, and what closes it.

Read everything on The Steward's Desk →