OUTSOURCED PARAPLANNING FOR FEE-ONLY RIAs
eParaplanner works exclusively with independent, fee-only RIAs.
No broker-dealers or RIAs affiliated with broker-dealers.
I work directly with lead advisors as an extension of their planning capacity. I learn how the firm works, dig into the details, figure out what information we need, build and update plans, work through the analysis and tradeoffs, and help get each case ready for the advisor's client conversation.
The result isn't a pile of data entry waiting for you to turn it into financial planning. The financial planning is the work I'm there to do.
That can mean:
Reviewing prior planning work and client documents to determine what has changed and what information is needed for the next round of planning. For annual plan updates, I can also prepare data requests for the lead advisor to send to the client.
Creating or updating plans in eMoney or RightCapital, from everyday retirement and cash-flow planning to education, insurance, and other planning needs.
Running scenarios to see what changes if a client retires earlier, spends more, saves differently, sells an asset, exercises stock options, or takes another path.
Looking at the tax consequences alongside the planning decision, including multi-year projections in Holistiplan (or any other tax tool) when they help clarify the tradeoffs.
Working through issues such as RSUs and stock options, nonqualified deferred compensation, liquidity events, concentrated positions, and unusual estate or tax considerations.
Turning the analysis into clear workpapers, spreadsheets, recommendations, and other deliverables that fit the firm's process and help the lead advisor prepare for the client conversation. As I get to know the firm's workflow, I can also spot opportunities to simplify the work, reduce unnecessary duplication, and be more intentional about what makes it into the final deliverables.
I work within the tools and processes your firm already uses.
Sandy Cervantes, CFP(R), EA
Sandy Cervantes, CFP(R), EA
I founded eParaplanner in 2018 because I genuinely enjoy the technical side of financial planning. I like digging into the details, working through complicated planning questions, and figuring out what may have been overlooked.
Before starting eParaplanner, I worked in global mobility tax at Big Four CPA firms. I’m also a CFP® professional and an Enrolled Agent. That tax background continues to influence how I approach financial planning work and the questions I think to ask.
For the advisors I work with, that means having another experienced planner to think through the work with. You remain the lead advisor and own the client relationship. I bring another set of eyes, a different perspective, and someone who isn’t afraid to say, “I think we should take another look at this.”
I’m a U.S.-based virtual paraplanner in Atlanta, Georgia, providing outsourced planning support to fee-only RIAs nationwide.
View my LinkedIn profile →
I work with advisors on an ongoing basis rather than taking on one-off projects. New engagements begin with an initial three-month term. All work is billed at $125/hour, with minimum monthly hours billed in arrears.
$1,250
$1,875
$2,500
I’ve answered the practical questions advisors most often ask before we work together.
Let’s talk about what kind of planning support you need and whether working together makes sense.