Affordable Financial Planning & Investment Management Services

Achieve Your Financial Goals on a Budget

At Oakridge Financial Planning, we believe that smart financial strategies aren’t just for the wealthy. We specialize in helping hardworking individuals and families take control of their finances and build long-term wealth — without the high costs often associated with financial planning.

Our Budget-Friendly Services

  • Start building wealth, even with zero starting investment. Our approach:

    • Low-Cost, Diversified Portfolios – Designed to reduce risk and maximize growth

    • Regular Rebalancing – To keep your investments aligned with your goals

    • Tax-Aware Strategies – To help you keep more of what you earn

    • Non-Discretionary Trading – Giving you the final say on investment decisions

  • Get a personalized roadmap to guide your financial decisions. Our planning process helps you:

    • Build a Realistic Budget – Manage your spending without sacrificing your lifestyle

    • Reduce Debt Strategically – Get out of debt faster and with fewer headaches

    • Save for the Future – Prioritize savings for retirement, college, and more

    • Protect Your Family – Plan for unexpected events with insurance and estate strategies

    We understand that managing your finances can feel overwhelming. Our financial coaching services are designed to give you the confidence, knowledge, and tools you need to improve your financial habits and achieve your goals.

    With our coaching, you’ll learn how to:

    • Master the Basics of Personal Finance – Understand budgeting, saving, and investing.

    • Build Positive Money Habits – Improve your relationship with money and gain control over your spending.

    • Set and Achieve Realistic Financial Goals – Whether it’s buying a home, saving for retirement, or eliminating debt, we’ll guide you step by step.

    • Track Your Progress – We’ll help you stay on track with regular check-ins and adjustments to your plan as needed.

    • Overcome Financial Challenges – Receive personalized strategies to tackle issues like debt, limited savings, and inconsistent cash flow.

    Our coaching is customized to your situation and designed to meet you where you are — whether you’re just starting out or looking to fine-tune your financial strategy.

  • Making the most of your employer-sponsored retirement plan can be one of the easiest ways to grow your wealth, and we’re here to help you maximize its benefits — without breaking the bank.

    Our Employer-Sponsored Plan Guidance service is our most budget-friendly option, designed to help you:

    • Understand Your Plan Options – We’ll explain the different investment choices in your 401(k), 403(b), or other employer-sponsored plan.

    • Choose the Right Allocation – Get personalized recommendations on how to allocate your contributions based on your financial goals and risk tolerance.

    • Maximize Employer Matching – Learn how to take full advantage of any employer match to boost your retirement savings.

    • Review and Adjust as Needed – We’ll periodically review your plan and suggest adjustments to keep you on track.

    This service is perfect for individuals who want low-cost, professional guidance on optimizing their employer retirement plan without needing full-scale financial management.

  • Take control of your debt with personalized strategies to help you pay it off efficiently and avoid costly interest.
    We’ll help you:

    • Prioritize Debts: Identify which debts to tackle first for maximum impact.

    • Create a Repayment Plan: Develop a realistic plan to reduce and eliminate debt over time.

    • Understand Your Options: Explore debt consolidation, refinancing, or other solutions that may reduce your payments.

    • Avoid Future Debt Traps: Build healthy financial habits to keep debt under control.

  • Learn how to build and grow your savings without sacrificing your lifestyle.
    With this plan, we’ll guide you on:

    • Emergency Fund Planning: Establish a safety net to handle unexpected expenses.

    • Goal-Based Saving: Save for short- and long-term goals like vacations, home purchases, or college tuition.

    • High-Yield Savings Accounts: Maximize your returns by selecting the right savings vehicles.

    • Automated Saving Strategies: Make saving easy by setting up automatic contributions tailored to your cash flow.

Note: for a more detailed list of our services please check out our Form ADV Part 2A.

Ready to get started? Speed up the process by filling out the forms below!

Who We Help:

We understand the unique challenges faced by low to middle to upper-middle income individuals and families (we are you), including:

  • Balancing saving, spending, and debt repayment

  • Planning for retirement while managing day-to-day expenses

  • Building an investment portfolio with limited to zero starting capital

  • Creating a financial cushion for emergencies, college savings, and other life goals

Why Choose Oakridge Financial Planning?

  • Who better to help you than someone who is in the same situation as you? We know the struggles and challenges you face, because we face the same ones in our lives. We are not a firm built by millionaires, but by everyday hardworking individuals.

  • We believe anyone can achieve financial security and freedom, but it does not happen overnight. It takes hard-work and perseverance. That is why we believe building a life-long partnership with you and your family gives your financial future the best chance of success. We will be there through it all - the highs and the lows. We will build a financial plan to weather it all.

  • We know the average person believe they can’t afford professional investment advisors or financial planners. That is why we have designed our fee schedules to be affordable for the average person, while also catering to high net worth individuals. We offer budget friendly financial planning, affordable investment management services, estate planning, and much more.

  • We always act in your best interest and will never put our interest before yours. We take our Fiduciary responsibilities seriously here at Oakridge Financial Planning.

You don’t have to navigate your finances alone. Whether you’re just starting to save or looking to invest, we’re here to help.

FAQ

  • A: We offer flexible pricing options, including affordable flat fees, subscription-based services, and Assets Under Management-based fees.

  • A: No! We help anyone, even those starting with $0.

  • A: We have streamlined the process as much as possible to provide the best experience:

    1. First Contact: Fill out our “Contact Form” below. This provides us with basic information about you and the services you are requesting.

    2. First Phone Call, Text, or Video Call: We discuss the information in the “Contact Form” and get to know each other better. If you feel like Oakridge Financial Planning is the right partner for you we proceed.

    3. Compliance Documents: We send Form ADV Part 2A & 2B (Firm Brochure & Supplemental Brochure) and other disclosures to review and sign.

    4. Contract Signing & Payment Setup: Oakridge Financial Planning sends you the Client Service Contract along with other service agreements to review and sign. The exact fees and fee schedule to be used will be included in this contract. First payment setup and on-going payment authorization will be completed during this step.

    5. Gathering Data: We will send you a “Client Intake Form” and “Risk Tolerance Quiz” to fill out and complete. This covers everything from your monthly expenses, assets, liabilities, insurance coverages, Risk Profile and more.

    6. Basic Financial Plan Creation (or Comprehensive Financial Plan if selected): We review the data provided to us and create your basic financial plan. From here, we give basic guidance and suggestions. We also include investment management services, depending on the service(s) selected.

    7. Plan implementation, Account Setup & Review: We will help you implement the suggestions from the plan and help setup or adjust any accounts as needed.

    8. On-going Maintenance: We review your accounts regularly and will make recommendations as needed.

    9. Yearly Updates: You will provide us with yearly updates regarding income levels and other changes that may directly affect your financial life.