What To Expect with Laughter Financial
Clarity, One Step At a Time
At Laughter Financial, we help newly-single women facing life transitions with the financial planning process, wealth management, and ongoing support.
Our Financial Planning Process
We focus on clarity, not complexity.
Step 1
Intro Call: Let’s talk about you
Tell us your story, what keeps you up at night, and what your goals for the future are. This call is a safe place to breathe and figure out where to go from here.
Step 2
Get Organized: Find the pieces and sort them
We’ll gather things like account statements, documents, bills, and lists of what you own. Most people feel a landslide of relief in this step because the chaos turns into a clear list of tasks.
Step 3
Answer the big question: “Will I be okay?”
We’ll build a simple map that shows your income and spending. Following your goals, we’ll create a financial plan that ensures the answer to this question is always yes.
Step 4
Bring everything together: One place, one plan
If you want ongoing help, we consolidate accounts and coordinate with your attorney or CPA. If you prefer a one-time engagement, we give you a clear roadmap to follow.
Step 5
Ongoing connection: We’re here when you need us
In the first year we meet as often as needed. After that, we check in twice a year and are always a text or call away for questions or decisions.
What You’ll Leave With
No matter if we’re meeting for a get-to-know-you, or work together long-term, our goal is to make you feel seen, heard, and empowered.
When you work with us, you’ll get:
- Clear, thoughtful answers to your questions
- Next steps built around your specific needs and lifestyle
- A financial plan for the long term
- Confidence that you’re making the right choices
Rest assured that as a fiduciary financial advisor, we’ll always act in your best interest.
Who We Work With:
Women Navigating Change
At Laughter Financial, we provide financial planning and wealth/investment management for life transitions: recently-widowed or divorced women over 50 who are new to managing their finances.
Whether your spouse handled the finances or you felt consistently ignored or patronized by former financial advisors, we’re a fiduciary financial advisor that does things differently: we listen to YOU.
Frequently Asked Questions
What does a fiduciary financial advisor do?
A fiduciary financial advisor is required to put your best interests first when giving financial advice. That means your financial planning, investments, and recommendations will be based on what helps you most, not what generates commissions or sales.
What happens during a financial planning meeting?
A financial planning meeting helps you organize your finances and create a clear plan for the future. At Laughter Financial, your financial advisor will walk through your income, investments, spending, and goals so you can better understand where you stand and what steps come next.
How does wealth management work?
Wealth management services combine investment management with ongoing financial planning and guidance. A wealth management firm like Laughter Financial helps you manage your money, plan for retirement, prepare for life changes, and make confident financial decisions over time.
How long does the process take?
Short answer: it depends. The initial organization and plan can happen in a few meetings. A life transition engagement is designed to wrap up in about six weeks. Ongoing planning relationships last at least a year so we can track changes and keep you steady. During your intro call we can sketch out a personal answer to this question based on your circumstances.
Do you manage investments or just plan?
Both. We offer a flat fee financial planning service and separate investment management. If we manage your investments, financial planning is usually included.
How much will this cost me?
Financial planning starts at $300 per month on a 12 month commitment. Investment management fees are a percentage of assets under management. The life transition package is a one-time fee for a six-week engagement. We talk specifics on the intro call so there are no surprises.
What should I bring to the first meeting?
Bring whatever you have. Bank statements, investment statements, passwords, recent bills, or even a list of questions you want answered. If you do not have documents yet, no worries. We can help you pull things together with your permission.
Will you work with my attorney or CPA?
Yes. We coordinate with estate attorneys, CPAs, and other trusted professionals so everyone is working from the same plan.
Can I text you with questions?
Yes. We make ourselves available in a way that fits real life. If it is an important decision, we will schedule time to talk so nothing is rushed.
What if I only want help for a short time?
That is okay. The life transition package is perfect for short-term needs. You can also choose the flat fee planning for one year and then decide whether to continue.
Is there a minimum asset level?
We typically work with women who have investable assets in the mid-six figures and above. If you are unsure whether your situation is a good fit, schedule a call and we’ll go over specifics.
Who does Laughter Financial help?
Laughter Financial helps women navigating major life transitions, including divorce, widowhood, retirement, career changes, and new financial independence.
What is life transition financial planning?
Life transition financial planning helps people make financial decisions during major changes such as divorce, the loss of a spouse, retirement, or a shift in income or responsibilities.
Can a financial advisor help after divorce?
Yes. A financial advisor can help you organize assets, understand cash flow, update goals, review retirement plans, and make informed decisions after divorce.
Can a financial advisor help after losing a spouse?
Yes. A financial advisor can help widows organize financial accounts, understand income needs, review beneficiary details, and make decisions at a manageable pace.
Laughter Financial Services
Financial Planning
Offered as a flat fee fiduciary relationship that starts at $300 per month for a 12 month commitment. It focuses on the full financial picture and day-to-day peace of mind.
Investment Management
Available for clients who want professional oversight of their portfolio. Fees are a flat percentage of assets under management.
Life Transition Planning
A one-time, six-week engagement for situations like the death of a spouse or a divorce. It’s focused on getting you organized and safe, fast.
Not sure which service is right for you? That’s what our intro call is for. We’ll discuss your options and help you find the perfect fit.
Live with Clarity
Life feels better with a clear plan, a fiduciary financial advisor, and a next step to follow.