Planning Within Reach, LLC

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Planning Within Reach, LLC Planning Within Reach is a Fiduciary and Fee-Only Financial Advisory Firm.

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Have I told you about the time we tried to buy a Japanese knife in Tokyo?... When we lived there, the one thing my husba...
10/05/2026

Have I told you about the time we tried to buy a Japanese knife in Tokyo?...

When we lived there, the one thing my husband wanted to bring home (besides Japanese wh**ky) was a Japanese knife. On our last trip to Tokyo, we finally made it to Kappabashi, the kitchen district.

By the time we got to the knife store, my kids were done. I didn't want to worry about them breaking things or handling knives (!), so I sent my husband inside while I stayed with them outside.

About 10-15 minutes later, my husband came back out empty handed and said, "The guy won't sell me the knife yet."

"What do you mean, he won't sell you the knife yet?"

"I told him you're the one who cooks most of the meals, so he wants you to come in and see them."

We swapped the kids and I walked inside. Sure enough, the shopkeeper was waiting for me.

He asked me a bunch of questions about the knives I had and what I liked to cook. Then he had me hold his knives, inspect them, and feel how they fit in my hand.

We would have been fine just popping in a store and getting a "Japanese knife", but that was not the way he ran his business. He wanted to ensure we left with the perfect knife for our family.

I think about this experience all the time. Plenty of people are willing to share their financial documents right away and have me tell them what I think on the spot.

But especially with someone new, I need a couple of conversations before I even want to look at the numbers. The documents tell me what you have, but hearing your answers to specific questions gives me the background I need to zero in on what you actually need.

Have you ever had a shopping experience like this?

I'm not expected to diagnose my clients. I am, however, expected to have a plan if I suspect cognitive decline or financ...
09/18/2026

I'm not expected to diagnose my clients. I am, however, expected to have a plan if I suspect cognitive decline or financial abuse...

That's where a Trusted Contact comes into play.

We're having some work done on our pool right now (thanks to my 8-year-old, who threw a huge rock into it to try and convince us there was a turtle in the pool), and our contractor was telling us about a client who keeps forgetting conversations they've had.

Problems have been explained, next steps have been laid out, and then the client forgets. They call frustrated that the work isn't finished, so the contractor explains it all over again.

Financial advisors encounter similar situations.

If a longtime client suddenly starts forgetting conversations, giving conflicting instructions, or making unusual financial decisions, we're not supposed to diagnose the problem. We're supposed to document what we're observing and follow established procedures.

One of those procedures may involve contacting the client's Trusted Contact.

A Trusted Contact does not have authority to view your accounts, execute trades, or make financial decisions simply because you've listed them. They're someone your Advisor may reach out to under certain circumstances, such as concerns about financial exploitation, ability to manage finances, or difficulty contacting you.

Many financial institutions offer this option, but it’s typically optional, and often, people leave it blank.

With Thanksgiving coming up, this might be a good conversation to have with your family. Talking about money can be hard, so one approach might be to offer up that you’ve listed a Trusted Contact for your accounts, and they should do the same. Offering to help them do this on the spot (or check to confirm the info listed is accurate) is even better.

It's a small administrative task that could make a big difference when something doesn't seem right.

I did some funny math the other weekend...I took my daughter to a free concert for military members and their families a...
09/09/2026

I did some funny math the other weekend...

I took my daughter to a free concert for military members and their families and bought her a sweatshirt.

I rarely buy merch - not because I don't love it, but because I have four kids and I'd have to get one for everyone, so you know how that goes.

Of course, as soon as we walk into the house after the concert, she starts bragging to her sisters about how 'Mom bought her merch!'

Three angry faces look at me. My oldest daughter's immediate response was, "Did she have w**e?"

No. I drank water all night (not that it's anyone's business). But then I felt like I had to explain myself.

Yes, I bought her the merch but I still saved $120.

???

Here's the math my brain did in the few seconds after she asked me if she could get the sweatshirt...

If I had taken her to see Teddy Swims when he toured Norfolk in June, I would have paid $200. Instead, we got to see him for free - thank you Miranda Lambert and Teddy Swims. So even though I spent $80, I saved $120.

Before you judge me, we do this funny math all the time. Behavioral finance people call it mental accounting.

Think about booking a hotel with points. The room was “free,” so maybe you splurge on dinner at a restaurant you'd normally consider too expensive. In your head, you're spending some of the money you saved on the hotel. But you didn't spend your “hotel savings.” You bought dinner.

It's not that I feel guilty about the sweatshirt. I don't. It makes me smile whenever she wears it - plus, she's the only one that wanted to go with me!!

It's my comment about 'saving $120' that makes me laugh because it's so ridiculous. I didn't even know Teddy Swims had come to Norfolk in June until someone told me at the free concert! My brain was reaching for any justification apparently.

A good way to combat this funny math before it gets out of hand is to focus on the dollar amount that leaves your bank account. That's what you spent.

Have you caught yourself doing funny math recently?

If you want answers to important financial questions by year-end, now is the time to engage a financial advisor.For some...
09/02/2026

If you want answers to important financial questions by year-end, now is the time to engage a financial advisor.

For someone who is new to financial planning, that probably sounds crazy. It’s September!

But every year, I get calls in the first or second week of December from people looking for a financial plan - and hoping to have answers before December 31.

Some advisors can make that happen (and they’re amazing). But many can’t.

Here’s why December is a particularly tough month in the financial planning world:

- First, it’s really only about a three-week work month. Schools close, holiday travel starts, and by December 20th or so, schedules get pretty spotty.

- At the same time, there is a lot of financial planning work that has to happen at year-end. For ongoing clients, we’re confirming RMDs were taken. We’re running Roth conversion analysis. We’re processing QCDs. We’re completing other tax-planning items that lose their usefulness once December 31 passes.

- We’re also wrapping up planning work that carried over from November and dealing with whatever life throws at existing clients. People buy houses in December. They change jobs. They retire. Things happen, and we need to have room to help them.

- Then there’s the business side. Many advisors have annual compliance work and filings due early in the new year. Yes, I have a compliance person. But I still need to block off a few days in December just to review my documents, make updates, and get everything to him in time so he can do his work.

- And, of course, there are holiday parties for every organization anyone in our family has ever joined.

This is why some financial advisors stop taking new planning clients altogether toward the end of the year.

So if you’re wondering:

Can I retire next year?
Should I do a Roth conversion?
Can we afford this house?
What should I do with my stock options?
Am I doing everything I should before year-end?

September or October is a much better time to start that conversation than December.

Congrats to all the kids who are wrapping up their first summer jobs!Yes - these experiences and memories will stick wit...
08/31/2026

Congrats to all the kids who are wrapping up their first summer jobs!

Yes - these experiences and memories will stick with you.

No - it wasn’t supposed to be all fun. It's called 'work' for a reason.

But... I look back fondly on my summer jobs. A few lessons that I still carry with me:

Soccer referee: There are a lot of crazy sports parents. I strive every day not to become one of them.

Waitress at Friendly’s: Ice cream loses a little of its magic when you’re surrounded by it all day. I could never get the smell of dried ice cream out of my uniform. But my kids’ favorite dessert is still “coneheads” - a scoop of ice cream with a cone for a hat, whipped cream ears, and a candy face. They will tell you it is my greatest talent, so I guess it was worth it.

Old Navy: I will never again be that person who destroys a perfectly folded stack of shirts looking for my size. Someone has to re-fold those over and over again.

Trader Joe’s: Know what you’re selling. We were highly encouraged to try the new products in the break room. When customers ask, “Have you tried this?” you’re a much better salesperson when you can actually answer them.

The lab at my dad’s fragrance company: I learned how to use a pipette and a scale and got to see how fragrances - everything from perfumes to detergents - were actually made. It was fun, but I ultimately decided chemistry was not for me (sorry dad).

What were some of your summer jobs growing up, and what did they teach you?

So happy the kids are going back to school! I loved our summer, but it's time to reset. This was the highlight of my sum...
08/20/2026

So happy the kids are going back to school! I loved our summer, but it's time to reset.

This was the highlight of my summer... 🎸

What was yours?

"I've had an advisor for five years, but I've never had a financial plan."...I've heard some version of this from dozens...
06/16/2026

"I've had an advisor for five years, but I've never had a financial plan."...

I've heard some version of this from dozens of prospective clients recently.

They have investments. They have someone they can call with questions. They generally like their advisor. Yet they have no idea:

• Whether they're on track for retirement

• If they're saving enough for their goals

It all feels ad hoc and incomplete because the relationship is almost entirely reactive. When a question comes up, they ask. The advisor answers.

There's nothing inherently wrong with that model, and some people are perfectly happy with it. But it's very different from comprehensive financial planning.

That's why I require we start with a comprehensive financial plan, even if someone is ready to have me manage their investments today. (Plus, I want to make sure we enjoy working with each other!)

Once we know where you stand, where you're headed, and what gaps need attention, ongoing advice becomes much more valuable. We're no longer just reacting to whatever comes up. We're monitoring progress, making adjustments, and staying ahead of potential problems.

Not everyone wants that level of planning, and that's okay.

But if you're not sure where you stand financially, that's a gap worth addressing.

Lifestyle creep gets a bad rap...It's often mentioned in a negative context - as if any increase in spending is  irrespo...
06/11/2026

Lifestyle creep gets a bad rap...

It's often mentioned in a negative context - as if any increase in spending is irresponsible or something to be embarrassed about. That's not true.

I have clients who started working with me 10-15 years ago when they were just beginning their careers. They were raising young kids, stretching to buy homes, and living on virtually nothing.

Fast forward a decade: their careers have taken off, the kids are heading to college, and yes - they’re spending more.

But it’s not reckless spending. They’re going on more date nights, taking an extra family trip, and outsourcing things that reduce stress and give them more time back. That's completely reasonable (and wasn't that the goal all along?)

Where lifestyle creep becomes a problem isn't the spending itself. It's when the financial plan doesn't evolve alongside it.

When money was tight, saving 10% for retirement may have been the best you could do. The life insurance amount you chose may have reflected a very different lifestyle and set of obligations.

Now that you earn more and spend more, those numbers probably need to change because the goalposts have moved.

I get it - I don't want to go back to living the way I did starting out in my 20s, either. My lifestyle has crept, and I want it to stay that way.

Just make sure your financial plan is keeping up.

Former Villanova tour guide here (aka member of the Blue Key Society)...I loved a recent post from College Inside Track ...
06/09/2026

Former Villanova tour guide here (aka member of the Blue Key Society)...

I loved a recent post from College Inside Track about questions to ask a student tour guide.

I received questions 2, 4, and 5 all the time (along with plenty of questions about the food and Greek life), but the others are great as well.

1. What surprised you when you got here your freshman year, what was most unexpected?

2. What do you love most about your school? What drives you crazy?

3. What do you wish you had known before making the decision to come here?

4. What were your deciding factors?

5. What are weekends like here (particularly if home is far away)?

6. What unexpected costs did you experience, things you hadn’t planned for that we should?

For parents, students, and recent graduates: What's your answer to 6?

https://collegeinsidetrack.com/6-questions-you-need-to-ask-on-your-next-college-tour/

A carnival came to town last weekend...It was fascinating to watch my four girls approach the rides completely different...
06/02/2026

A carnival came to town last weekend...

It was fascinating to watch my four girls approach the rides completely differently.

- My 7-year-old made a beeline for one of the biggest rides and loved it. No fear.

- My 10-year-old spent the entire first night on "small rides" (not "baby rides," as her sisters kept teasing) before deciding she was ready for the same ride her younger sister had conquered right out of the gate.

- My 13-year-old used to love rides, but had one bad experience in Japan that scared her so much she hadn't been on a major ride in five years. It took some encouragement from friends to finally get her back on one.

- My 15-year-old has been on so many roller coasters at this point that she was more interested in the food and social scene than the rides themselves. They were just background noise.

Of course, I couldn't help but see the parallels with investing. We all have natural tendencies, but our experiences, the amount of information we need to move forward, and the people around us influence our decisions too.

Someone who lived through a painful market decline may become far more cautious than their natural temperament would suggest. Others become more comfortable taking risks because previous risks worked out well.

One of the most valuable parts of financial planning isn't trying to change who you are. It's understanding your tendencies, recognizing how your experiences have shaped you, and building a plan that works with your behavior instead of against it.

As for me this weekend, I would consider myself in the "paralyzed by too much information" category - at least when it comes to carnivals, not investing. No way I'm getting on a ride that was assembled in a parking lot 24 hours ago and is being operated and inspected by people I've never met. That's just me!

What about you - are you a carnival ride person?

Address

3419 Virginia Beach Boulevard #530
Virginia Beach, VA
23452

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16195679306

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