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Fiduciary | Independent CFP® | Personalized Service

Comprehensive Financial Planning

Build Wealth With Intentional Design

Building Wealth by combining

Personal Finance + Intentional Design

Intentionality within personal finance can mean different things to different people. For some, it's simply being more conscious about where their money is going. For others, it's being more strategic and calculated in their steps towards wealth accumulation. We are here to help you regardless of your intentions. 

At Lucid Wealth Planning, you'll have access to our client portal from your PC or mobile device at any time, see your progress and tasks on a daily basis, and receive real-time recommendations to help bring intentionality to every financial decision. 

No Commissions Raleigh, NC Lucid Wealth Planning


No Commissions, Referral Fees, or Sales Pitch

At Lucid Wealth, you call the shots. By aligning our success with your success, we’re ensuring you receive unbiased, honest financial advice that is never influenced by commissions or referral fees.

Fiduciary Service

Our firm is built to provide you with sound financial planning under a Fiduciary oath. We aren’t making money on the side at the expense of giving you the best advice possible. Instead, what you pay is what we make - and nothing more. Your best interest is our best interest. 

No Hidden Agendas

Trusting a financial advisor is trusting an individual with the fate of your financial future. Be sure you’re putting that trust in a firm that views you as a unique individual with pressing financial concerns, not just another net worth used to build their business.

Building Wealth With Specialized Focus in...

Net Worth Analysis

Evaluation of all assets and liabilities. This analysis is the best representation of your financial wellness

What services can you expect?
Through account aggregation, we maintain an up-to-date balance sheet, including:
  • Cash
    • Checking
    • Savings
    • Cash Equivalents
  • Invested Assets
    • Taxable Accounts
    • Traditional / Roth IRAs
    • Employer Plans such as 403b, 457, and 401k accounts
    • Employee Stock Purchase Plans
    • Stock Options
    • Inherited IRA
    • HSA
    • 529 Plans
  • "Other" Assets
    • Primary Home
    • Secondary Homes
    • Collectibles 
  • Liabilities
    • Home mortgage
    • Student Loans
    • Credit Cards
    • Personal Loans

Tax Planning

We help to minimize current and future income taxes as a part of your overall financial planning picture.

What services can you expect?
Tax planning will include recommendations around the following:
  • Selling investments
  • Contributing to employer sponsored plans
  • Contributing to other retirement plans
  • Gifting money and other philanthropic interests
  • Maximizing deductibility
  • Tax efficient college savings
  • Inherited IRA withdrawals
  • Student loan forgiveness planning
  • Disability insurance structuring
  • Roth conversions
  • Retirement income strategies
  • Social security elections

Cash Flow Planning

Review of income, expenses, tax liability, and current debt holdings to prioritize how surplus should be used.

What services can you expect?
We'll make ongoing recommendations provide clarity using the following:
  • Account aggregation
  • Budgeting tools
  • Debt repayment strategies
  • Goal prioritization

Employee Benefits Review

We'll analysis and review your options, helping you to maximize the benefits available.

What services can you expect?
  • Retirement benefit optimization
  • Health insurance elections
  • HSA Eligibility
  • Vision/dental review
  • Tuition reimbursement
  • Employee Stock Purchase Plans
  • Incentive Stock Options

Insurance Review

Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile insurance.

What services can you expect?
  • Life insurance review
  • Health insurance review
  • Disability insurance review
  • Long-term care needs analysis
  • Liability insurance review
  • Home insurance review
  • Auto insurance review

Student Loan Analysis

Strategic planning for debt repayment, IDR and PSLF review, maximizing forgiveness, and/or evaluating consolidation and other refinancing options.

What services can you expect?
  • Full review of eligibility for Income-Driven Plans such as PAYE, REPAYE, IBR, and standard repayments
  • PSLF qualification review
  • Strategies to maximize student loan forgiveness
  • Planning for future tax implications 
  • Review of consolidation or refinancing opportunities

Retirement Planning

Retirement planning for those accumulating assets, preparing for the retirement transition, and currently in retirement. 

What services can you expect?
  • Goal prioritization
  • Tax planning
  • Financial stress testing
  • Social Security optimization
  • Income planning
  • Pension review
  • Required Minimum Distribution planning

Estate Plan Review

Analysis of your current estate plan, which may include whether you have a will, powers of attorney, trusts, and other related documents.

What services can you expect?
  • Asset transition strategies
  • Review of current estate plan structure and potential gaps
  • Keep track of your progress on creating important estate planning documents, such as:
    • Will
    • Power of Attorney
    • Beneficiary designations
    • Living Will
    • Living Trust
    • Health Care Proxy

Day-to-Day Inquiries

Examples include purchasing a new home or large purchases, financial considerations of getting married, and paying down debt.

What services can you expect?
  • You name it, we'll discuss it!


Our Fee Schedule

Comprehensive Financial Planning

(No Minimum Balance or Net Worth Requirements)


Initial Planning and 

One Year of Ongoing Service 

$3750 - $5500

Our fee includes the development of your initial plan as well as one year of ongoing service, inclusive of impromptu meetings and proactive planning considerations. This service is personalized to your unique circumstances, goals, and objectives. Comprehensive Financial Planning ("CFP") does not include investment management. All client meetings are held virtually via Zoom.

Client enrolled in CFP gain access to investment management services at the following discounted fee schedule:

Investment Management Preferred Rate**

$1 - $500,000 = 0.30%

* The fee range is based on complexity, considering factors such as income, proximity to retirement, number of household members, number of long-term debt obligations, real estate holdings, estate plan considerations, employer retirement plan balances, insurance policies, and other incentive compensation. 

**Preferred rate applies to clients engaged in ongoing financial planning. For example, an account valued at $100,000 would pay a fee of 0.30% resulting in an annual fee of $300. The quarterly fee calculation would be: $100,000 x 0.30% = $300 / 4 = $75

Wealth Management

(Minimum Investment Balance of $500,000)


First $500,000 = 1.15%

$500,001 - $1,000,000 = 0.85%

$1,000,001 - $2,000,000 = 0.65%

$2,000,000+ = 0.40%

Our Wealth Management service combines comprehensive financial planning with investment management under one simple billing structure. The minimum investment balance requirement is $500,000.

Client meetings can be held virtually via Zoom, or in person within our Wake Forest NC office location.

* For example, investable assets valued at $1,000,000 would pay a fee of 1%, resulting in an annual fee of $10,000. The quarterly fee calculation would be: (($500,000 x 1.15%) + ($500,000 x 0.85%) = $10,000) / 4 = $2,500.

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