Grit and Lavender Financial Planning

The firm serves individual clients and provides a range of services including ongoing investment management, comprehensive wealth planning, one‑time or project-based financial plans, and a hands-on financial coaching engagement. It offers both continuous portfolio supervision and limited-scope or hourly planning engagements, as well as follow-up support through an annual client service offering.

Investment management is primarily passive, constructed with index mutual funds and ETFs and sometimes implemented via third‑party model portfolios; the firm also uses fundamental and technical analysis when developing allocations. The adviser typically manages accounts on a discretionary basis, documents client goals and restrictions in investment policy statements, and maintains periodic reviews and client check‑ins alongside optional coaching and monitoring technology.

What distinguishes this small, solo practice from many peers is its use of subscription-style billing and a monthly coaching product to maintain ongoing access and support, plus the provision of educational seminars and fee-based courses for groups — services that are uncommon among similar independent advisers. The principal additionally conducts non‑advisory education and coaching outside the firm (including licensing exam instruction) and holds a Certified Divorce Financial Analyst credential, which may shape the firm’s client focus and time allocation.