Welcome!
I am Kaki Perdue, an advice-only financial planner.
I help individuals and families chart their path to financial independence (FI) as DIY investors. As a CPA and CERTIFIED FINANCIAL PLANNER™, I specialize in comprehensive financial plan development, year-round tax planning, and personalized financial education. My Dad taught me drivers ed. He would say “when the light turns green, you still need to look both ways”. That sound advice applies to our financial lives as well! Let’s work together to build clarity and confidence in financial decisions as we Look Both Ways.
My Promise to You
I am held to the fiduciary standard of care. I am legally and ethically required to act in your best interest when providing personalized financial advice. To provide transparency and avoid conflicts of interest, I do not receive any compensation from the sale of investment or insurance products, and I do not manage client investments. With advice-only financial planning, all recommendations are tailored to fit your personal objectives and values based on what’s BEST for YOU.
Kaki’s Experience
I didn’t start in financial planning, so I think about things differently. I spent 12 years as a CPA in audit and worked with business owners daily. I led the Mentoring Program at the CPA firm and discovered that I loved coaching people. I also worked 6 years as a Chief Financial Officer for a technology company where I honed cash flow and strategic planning skills. I am a Magna Cum Laude graduate in accounting from Colorado State University.
I have collaborated with individuals and families to develop detailed strategies and provide clarity when making major financial decisions. I have been fortunate to work with families of various ages, levels of wealth, educational backgrounds, and personal lifestyles. Each financial plan is unique - just as you are unique and have individual goals.
Kaki’s Hobbies
I love to garden, so I skip the nail salon! I like to hike, ski, golf, play pickleball, and generally be outside. I have two children and I’m married to my college sweetheart.
Services and Fees
Comprehensive Financial Planning - The advice-only financial planning process includes a comprehensive review and analysis of your current financial situation, detailed personal recommendations, and most importantly – a measurable action plan to help you achieve your financial objectives with clarity and confidence.
Providing personalized education and advice in your best interest requires a full understanding of your unique financial situation, opportunities, and desired outcomes. Nearly all financial decisions have implications across multiple planning areas, and they should not be considered in isolation.
New relationships begin with a three-month comprehensive planning engagement, at a flat fee of $6,400 per household. Half of the cost ($3,200) is due upon the signing of the formal engagement letter and the other half ($3,200) is due upon the presentation of the financial plan.
Ongoing Financial Planning - Clients who complete a comprehensive planning engagement may choose to continue with personalized implementation and year-round planning, including an annual update, at an annual fee of $4,800. These plan updates focus on ‘looking around the corner,’ helping you make proactive financial decisions as your plan changes over time.
Limited Financial Advice - One-off engagements providing limited financial advice is available on an hourly fee basis at $300/hour.
Details Matter
Estate Planning - Protect your family now; look at account titling, beneficiary designations, last wills, trusts, appointed guardians, and powers of attorney. Plan for a legacy that provides support for your family in the event of an emergency.
Education Planning - Calculate and plan for education costs, explore 529 plans and other college savings as well as financial aid and student loan repayment strategies.
Major Life Events - Plan ahead for career transitions, major purchases, financing, gifting and inheritance, marriage, new children, and aging parents. Life comes at us fast so let’s be prepared.
Tax Planning - Tax-efficient opportunities may be available to you, including Roth conversion strategies, tax gain and loss harvesting, deductions and credits, taxable income control, and asset location. Tax planning happens year-round and decisions we make in our 40s/50s/60s will have big impact on later retirement years.
Retirement Income - Develop a personalized order of operations for your tax-efficient accumulation and income distribution strategies, including plans for financial independence before age 59 ½. Understand the roles of complex government programs such as Social Security and Medicare (IRMAA).
Investment Analysis - Align your investments with intention and view your accounts as part of a ‘total portfolio.’ Asset allocation, risk and return measures, investment costs, risk capacity, risk tolerance, and the investment time horizon for your savings objectives are considered in detail.
Employment Benefits - We’ll dig into benefits beyond compensation, including a full review of your employee benefits package, qualified retirement plans, deferred compensation, and group insurance options.
Insurance Analysis - What happens IF… How much emergency fund do I need? We’ll review insurance tools without being sold products: life, disability, health, long-term care, property, umbrella, liability insurance.
Spending Plan - Create a system to simplify your income and expenses, track your assets and liabilities, and develop a disciplined debt repayment strategy.
Financial advice should be personal. There might be a short textbook answer but Your answer requires us to look both ways. 