Ready for Next-Level Financial Support?
At DNA Financial & Associates, we believe that personalized financial support makes all the difference — and now, you have three ways to get the help you need: Introducing our Money Management Solutions programs —designed to help you get organized, build wealth, and gain financial confidence.
Money Management Plans
At DNA Financial & Associates, we believe that personalized financial support makes all the difference. We offer three plans to get you the help you need. Introducing our Money Management Solutions Plans. Designed to help you get organized, build wealth, and gain financial confidence.
Launch Plan
Initial financial snapshot & budget setup
DIY tracking templates
One goal-setting session
Quarterly email support check-in
10% tax preparation discount
10% off tax preparation services
Growth Plan
Comprehensive financial review
Tailored strategies for finances
Quarterly virtual consultations
24/7 dashboard access
20% off tax preparation services
THRIVE PLAN
Monthly 1-on-1 coaching calls
Unlimited email Q&A
Annual investment portfolio review
40% off tax preparation services
Priority scheduling
Exclusive financial planning tools and workshops
Detailed Comparison Chart
Shows which RightCapital planning modules are available to you based on your plan level.
Who It’s For
A quick summary of the type of client best suited for the plan.
Basic Plan
Those new to budgeting or looking for financial clarity
Standard Plan
Individuals or families seeking personalized structure and coaching
Elite Plan
High-income earners or business owners needing expert-level strategy
Initial Strategy Call
A one-time onboarding session to establish your financial goals and assess your current situation.
Basic Plan
30-Min Onboarding Session
Standard Plan
60-90 Min Strategy Call
Elite Plan
60-90 Min Strategy Call
Ongoing Support
The level of continuous help and guidance included with the plan.
Basic Plan
Self-guided tools + limited support
Standard Plan
Quarterly email & video support
Elite Plan
Unlimited support
Email Q&A
The number of email-based questions you can ask per month and get a response from a financial expert.
Basic Plan
4 emails per month
Standard Plan
8 emails per month
Elite Plan
Unlimited
Financial Dashboard Access
The level of access to your personal financial portal and tools.
Basic Plan
Basic view
Standard Plan
Full dashboard access
Elite Plan
Full dashboard + mobile alerts
Spending & Budget Tracking
Tools and support provided to help you monitor and manage your monthly spending and budget.
Basic Plan
Included
Standard Plan
Included
Elite Plan
Included
Customized Goal Planning
Tailored strategies to help you reach specific financial goals such as saving, paying off debt, or planning for large purchases.
Basic Plan
Basic templates
Standard Plan
Personalized planning
Elite Plan
Fully tailored plans + scenario modeling
Tax Prep Discount
The percentage discount offered for federal and state tax preparation services.
Basic Plan
10%
Standard Plan
20%
Elite Plan
0.3
Quarterly Check-In Meetings
Availability of scheduled virtual meetings every quarter to assess financial progress.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Monthly Strategy Calls
Availability of monthly calls with a financial advisor to review your progress and strategies.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Investment & Insurance Review
Analysis and guidance on your current investment and insurance holdings.
Basic Plan
Standard Plan
Elite Plan
✔
Priority Scheduling
Whether you receive scheduling preference for meetings and consultations.
Basic Plan
Standard Plan
Elite Plan
✔
Secure Document Storage
Access to upload and store your financial documents securely online.
Basic Plan
Included
Standard Plan
Included
Elite Plan
Included
Mobile Access
Ability to access your financial tools and dashboard from your smartphone or mobile device.
Basic Plan
Included
Standard Plan
Included
Elite Plan
Included
Financial Product Guidance
Advice on selecting financial products like savings accounts, credit cards, or loans based on your situation.
Basic Plan
General tips only
Standard Plan
Product fit guidance
Elite Plan
Product recommendations + implementation strategy
Access to Certified Expert
Direct access to a certified financial advisor or fiduciary for professional advice.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Snapshot
Quick view of today’s financial picture across cash, debt, investments, and net worth.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Balance Sheet
Statement of assets and liabilities to calculate your current net worth.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Liquidity
Highlights cash and near‑cash resources available for short‑term needs.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Budget
Monthly budget setup and tracking to align spending with goals.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Tasks
A checklist of assigned items to keep your plan moving forward.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Asset Allocation
Breakdown of your portfolio by asset classes (stocks, bonds, cash, etc.).
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Allocation Path
How your allocation is expected to evolve over time based on plan settings.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Sector and Style
Equity exposure by sector (e.g., tech, healthcare) and style (value/growth).
Basic Plan
Standard Plan
✔
Elite Plan
✔
Concentration
Identifies over‑concentrated holdings that may increase risk.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Tax Allocation
Distribution of assets across taxable, tax‑deferred, and tax‑free accounts.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Risk
Risk metrics and alignment with your risk tolerance and time horizon.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Risk
Summary
High‑level view of your portfolio, allocation, and performance drivers.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Risk
Analysis
Deeper look at risk, diversification, and tax efficiency.
Basic Plan
Standard Plan
Elite Plan
✔
Risk
Score & Assessments
Automated scores (e.g., retirement readiness, risk alignment) with suggested improvements.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Risk
Details
Drill‑down of positions, costs, and account‑level allocation.
Basic Plan
Standard Plan
Elite Plan
✔
Holdings
List of accounts, positions, tickers, and values used in your plan.
Basic Plan
Standard Plan
Elite Plan
✔
Analysis
Projections of income, spending, and portfolio drawdowns in retirement.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Analysis
Probability
Monte Carlo success rate estimating the likelihood of meeting retirement goals.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Analysis
Confidence
A confidence gauge based on your assumptions, savings, and investment risk.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Analysis
Comparisons
Compare retirement scenarios (ages, savings rates, return assumptions).
Basic Plan
Standard Plan
Elite Plan
✔
Analysis
Savings
How ongoing contributions and catch‑ups impact retirement readiness.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Analysis
Retirement Details
Inputs and assumptions driving your retirement plan (ages, income needs, COLA, etc.).
Basic Plan
Standard Plan
Elite Plan
✔
Stress Test
Tests your plan against market drops, inflation spikes, or life events.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Social Security
Optimal claiming strategies and break‑even analysis for Social Security benefits.
Basic Plan
Standard Plan
Elite Plan
✔
Medicare
Estimates Part B/D premiums and IRMAA impacts, with enrollment timing guidance.
Basic Plan
Standard Plan
Elite Plan
✔
Cash Flows
Year‑by‑year inflows and outflows to show how your plan funds goals over time.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Cash Flows
Maps
Visual flow of income sources to expenses, savings, and taxes across years.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Cash Flows
Summary
Year‑by‑year snapshot of inflows, outflows, and surplus/shortfall.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Cash Flows
Networth
Trend of your net worth over time based on plan projections.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Cash Flows
Invested Asset
View of investable accounts and their role in funding your plan.
Basic Plan
Standard Plan
Elite Plan
✔
Cash Flows
Accounts
Linked accounts included in your plan (bank, investment, debt).
Basic Plan
Standard Plan
Elite Plan
✔
Cash Flows
Options
Scenario inputs you can toggle (e.g., retirement age, savings rate, returns).
Basic Plan
Standard Plan
Elite Plan
✔
Life Insurance
Evaluates needs for income protection and estate liquidity.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Disability
Assesses income protection needs in case of long‑term disability.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Long-Term Care
Projects potential LTC costs and funding strategies (insurance, savings).
Basic Plan
Standard Plan
✔
Elite Plan
✔
Property and Casualty
High‑level review of home/auto/umbrella coverage adequacy.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Education
Plans for college or private school costs, 529 funding, and gaps.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Estimate
Current‑year projected taxes based on your plan inputs and assumptions.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Strategies
Action ideas (e.g., Roth conversions, tax‑loss harvesting, QCDs).
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Strategies
Summary
Consolidated view of estimated taxes and key drivers for the year.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Strategies
Calibration
Aligns plan assumptions (inflation, returns) with current market and your risk.
Basic Plan
Standard Plan
Elite Plan
✔
Tax Strategies
Comparisons
Evaluate tax outcomes across alternative strategies or filing choices.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Strategies
Details
Line‑item breakdown of income, deductions, and credits.
Basic Plan
Standard Plan
Elite Plan
✔
Tax Strategies
Strategies
Information and tools related to Strategies, tailored to your plan.
Basic Plan
Standard Plan
Elite Plan
✔
Tax Analyzer
Compares tax outcomes across different strategies before you act.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Analyzer
Summary
Consolidated view of estimated taxes and key drivers for the year.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Analyzer
Thresholds
Highlights phase‑outs and cliffs (IRMAA, NIIT, credits) that affect your taxes.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Tax Analyzer
Details
Line‑item breakdown of income, deductions, and credits.
Basic Plan
Standard Plan
Elite Plan
✔
Tax Analyzer
Uploaded Returns
Stores prior‑year tax returns used to calibrate your plan.
Basic Plan
Standard Plan
Elite Plan
✔
Checklist
Step‑by‑step estate action items to complete with your attorney and advisor.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Beneficiary
Review and update beneficiaries to match your estate intentions.
Basic Plan
Standard Plan
Elite Plan
✔
Analysis
Estate tax exposure and strategies to meet legacy goals.
Basic Plan
Standard Plan
Elite Plan
✔
Networth
Trend of your net worth over time based on plan projections.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Goals
Your specific targets (retirement, home purchase, travel) with funding timelines.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
income
Salary, pensions, Social Security, and other income sources in your plan.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Savings
Ways to reduce probate costs and estate taxes.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Expenses
Living expenses and goal‑related spending tracked in your plan.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Family
Household structure and dependents used for planning (e.g., child age, college).
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Blueprint
One‑page summary that distills your financial plan into key actions.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Notes
Space for advisor/client notes and meeting summaries tied to your plan.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Debt
Mortgage, loans, and payoff strategies to reduce interest and free cash flow.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Student Loan
Repayment strategy analysis (Standard, SAVE, refinancing) and forgiveness paths.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Stock Plans
Guidance on RSUs, ISOs/NSOs, ESPPs, and tax timing considerations.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Calculator
Quick calculators for what‑if analysis (savings, debt payoff, retirement).
Basic Plan
Standard Plan
✔
Elite Plan
✔
Vault
Secure document storage for statements, wills, tax returns, and more.
Basic Plan
✔
Standard Plan
✔
Elite Plan
✔
Family
Household structure and dependents used for planning (e.g., child age, college).
Basic Plan
Standard Plan
✔
Elite Plan
✔
Income
Salary, pensions, Social Security, and other income sources in your plan.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Savings
Ways to reduce probate costs and estate taxes.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Expenses
Living expenses and goal‑related spending tracked in your plan.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Goals
Your specific targets (retirement, home purchase, travel) with funding timelines.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Insurance
Insurance related to insurance planning.
Basic Plan
Standard Plan
✔
Elite Plan
✔
Frequently Asked Questions (FAQ)
Q1: What's the main difference between the Standard and Elite plans?
A: The Standard Plan provides structured support with quarterly coaching sessions and a limited number of email inquiries each month. The Elite Plan is a more comprehensive service that includes monthly one-on-one consultations, unlimited email access, an annual investment portfolio review, priority scheduling, and access to exclusive planning tools and workshops.
Q2: Can I upgrade from Standard to Elite later?
A: Absolutely! You can upgrade at any time. Just reach out to our team, and we'll make the transition quick, seamless, and effective — so you can start enjoying Elite-level support right away.
Q3: Do both plans include tax preparation discounts?
A: Yes — both plans offer exclusive tax prep savings. Standard clients receive 20% off, while Elite clients enjoy an enhanced 40% discount on federal and state income tax preparation services.
Q4: Are the financial plans personalized?
A: Absolutely. Every client receives a tailored financial plan designed around their specific goals, income, spending habits, and life circumstances. Elite clients benefit from more frequent plan updates and deeper strategy sessions to stay aligned with their evolving priorities.
Q5: Do I need a long-term commitment?
A: Yes, our plans require a 12-month commitment due to the significant time we invest upfront in assessing your financial health and creating a tailored strategy. You can pay monthly for flexibility or save more by choosing our annual plan.
Q6: Is there a setup fee?
A: Yes, there is a one-time $125 setup fee, which covers the preparation of your tax report, initial profile setup, and training on how to use our financial management platform.
Take the next step toward financial confidence and personal guidance.
Still unsure which plan is right for you? Let’s schedule a quick consultation and find your ideal fit together. Your success is in our DNA!
Schedule a Call Today to Find Your Plan!