- Michelle Crumm, CFP®, CPA, MBA
"Financial planning is about understanding your unique narrative and carving a path towards your aspirations."
Plans & Pricing
At Belle Eve Financial, we’re not just about numbers — we’re about life. We ensure every aspect of your financial world is thoughtfully cared for so that your money supports your goals, your family, and the life you want to live.
The starting point of our work is your financial roadmap—a clear, interactive discussion of your opportunities, risks, and strategies. It’s not a binder of charts, but a living plan that evolves as markets shift, tax laws change, and life unfolds.
We typically meet twice per year via Google Meet for comprehensive planning meetings. During these meetings, we’ll review your goals, evaluate your tax situation and planning opportunities, and determine whether any changes are needed to your financial plan or investment strategy.
Between meetings, we continue to monitor and work on your plan behind the scenes. And when a meaningful life event occurs—retirement, a job change, inheritance, major purchase, loss of a spouse, or another significant transition—we can meet outside of our regular planning schedule as needed.
You’ll also have 24/7 access to the technology that supports your financial life, including your RightCapital financial planning portal, Monarch Money for budgeting and cash-flow management, and JustVanilla.com for your estate plan and estate planning documents.
Our goal is to keep the many pieces of your financial life working together—without requiring you to spend your year in financial planning meetings.
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Retirement & Retirement Income Planning – Creating and updating your retirement strategy, including spending, Social Security, withdrawal strategies, and long-term projections.
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Tax Planning – Reviewing annual tax projections and identifying opportunities such as Roth conversions, charitable giving, capital-gain planning, and tax-efficient retirement withdrawals.
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Investment Management & Guidance – Building and maintaining a diversified, low-cost investment strategy designed around your financial plan, goals, and risk tolerance.
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Cash Flow & Major Financial Decisions – Helping you evaluate spending, debt, large purchases, and other decisions that can affect your long-term plan.
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Estate & Incapacity Planning – Coordinating your estate plan with your overall financial plan and helping ensure your wishes, beneficiaries, and accounts work together. Preparation of your core estate planning documents is included as part of your financial planning relationship, and you'll have ongoing access to your estate plan and documents through JustVanilla.
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College & Education Planning – Planning for children’s or grandchildren’s education while balancing those goals with your other financial priorities.
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Insurance & Long-Term Care Planning – Evaluating life, disability, health, and long-term care needs and determining which risks should be insured versus self-funded.
You deserve holistic financial planning.
We're here for you, not just once, but as loyal companions throughout your life. We provide ongoing financial planning, tax planning, and retirement guidance for women and families in or near retirement — as well as those preparing for it in their 40s, 50s, and 60s.
Here is what you can expect as an ongoing client:
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Investment Guidance: We provide the structure, education, and guardrails so you can confidently manage your own money. Our focus is on low-cost, diversified, tax-efficient strategies — and helping you stay disciplined, especially when markets are volatile.
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Semiannual Friendly Chats: Casual yet insightful discussions every six months to review and adjust your financial pathway.
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Annual Financial Check-Up: A yearly comprehensive review to keep your financial plan fresh and in tune with your life.
After your meetings with us, you'll receive a list of action steps to keep your financial life on a desirable course. And whenever the winds change, we'll be there to provide you with a new path forward.
We're always here for you.
Our services are best for women and families age 40+ who are preparing for or living in retirement. Our clients want an ongoing relationship with a trusted partner, value education and guidance, and prefer a flat, transparent fee instead of traditional percentage-of-assets charges.
We are generally not the best fit for those with highly complex private investments, extensive international assets, or ultra-high-net-worth structures.
Unlike most advisors who charge a percentage of your investments (typically 1%–2% of assets under management), Belle Eve Financial uses a fee-only model. Your fee is based on the scope of planning and ongoing support we provide. This ensures our advice is objective, transparent, and aligned with your best interests.
Your fee is reviewed and agreed upon before beginning, and may adjust over time. Fees are billed quarterly from your accounts at Schwab.
With Belle Eve Financial, you’re not just hiring a financial planner — you’re gaining a financial confidante who is as invested in your success as you are.
Our Clients and Our Flat-Fee Model.
Our Unique Blend: Planning first. Taxes integrated. Fiduciary always.
Financial planning without tax strategy leaves money on the table.Tax strategy without fiduciary alignment can create conflicts. When everything works together, you gain clarity, confidence, and control.
CFP® — Comprehensive Financial Planning
As a CFP®, I design a fully integrated financial plan that aligns your retirement, investments, insurance, cash flow, and legacy goals into one coordinated strategy built around the life you want to live. Every decision is evaluated in the context of your entire financial picture, so nothing operates in isolation and everything moves you intentionally toward your long-term goals.
CPA — Tax & Financial Expertise
As a CPA, I proactively engineer tax-efficient strategies that minimize lifetime taxes, navigate complex tax law, and ensure every financial decision is optimized and not just compliant. Instead of reacting to taxes after the fact, I integrate tax planning directly into investment, retirement, and estate decisions to create long-term efficiency and clarity.
Fiduciary - Conflict Free Advice
As a fiduciary, I accept no commissions and no third-party compensation, ensuring every recommendation is objective, unbiased, and legally required to put your interests first. Without product incentives, sales quotas, or hidden conflicts, the advice you receive is driven solely by strategy, transparency, and what serves you best.
With a clear plan in place, embrace the confidence that comes with financial clarity, knowing Michelle will be there for guidance and support as your goals and needs evolve over time with regular check-ins and reviews.
Step 3: Enjoy greater financial confidence
Begin with a relaxed, no-obligation conversation about your financial life with Michelle, where your financial goals and aspirations take center stage.
Step 1: Chat with Michelle
Three easy steps towards financial empowerment.
Michelle will help organize your finances and will craft a tailored financial plan that resonates with your goals, eliminating any financial jargon to keep things clear and accessible.
Step 2: Create your financial vision
As a Fiduciary: We are the clear choice to be your financial partner.
Our fee-only, fiduciary, and independent model significantly distinguishes us from traditional financial advisory and investment management firms, ensuring that every piece of advice you receive is unbiased and tailored to your goals. We receive zero commissions and have no hidden fees nor do we sell products. This allows us to focus on education and comprehensive, client centric financial planning.
"How do I get started?"
Starting Out:
Foundation Building
Net Worth: Less than $1M
Limited Resources
Limited Financial Literacy
Perfect if you have:
INCLUDES:
✓ Written Financial Plan (included)
✓ Financial Goal Planning
✓ F.I.R.E. (Retire Early Plan)
✓ Cash Flow Planning & Budgeting
✓ Debt Management
✓ Financial Help As You Need It
✓ Investment Strategy for Building Wealth
✓ Monarch Money Subscription
✓ Right Capital Software Access
"How do I stay on track?"
Mid-Career:
Growth and Accumulation
Net Worth: Up to $1.5M
Saving and Investment Accounts
An Established Career
Perfect if you have:
INCLUDES:
✓ Written Financial Plan (included)
✓ Financial Goal Planning
✓ F.I.R.E. (Retire Early Plan)
✓ Cash Flow Planning & Budgeting
✓ Debt Management
✓ Financial Help As You Need It
✓ Investment Risk Tolerance
✓ Education/College Funding
✓ Insurance Review and Risk Management
✓ Wealth Planning (Savings and Retirement)
✓ Estate Planning (Trust & Will, Essential docs)
✓ Tax Planning Strategies
✓ Investment Analysis Guidance Only
✓ Monarch Money Subscription
✓ Right Capital Software Access
Retirement:
Preservation and Legacy
"How do I retire and leave a legacy?"
Net Worth: Over $1.5M
Likely a Pre-Retiree
Beginning - Retiree
INCLUDES:
✓ Written Financial Plan (included)
✓ Financial Goal Planning
✓ F.I.R.E. (Retire Early Plan)
✓ Cash Flow Planning & Budgeting
✓ Debt Management
✓ Financial Help As You Need It
✓ Investment Risk Tolerance
✓ Education/College Funding
✓ Insurance Review and Risk Management
✓ Wealth Planning (Savings and Retirement)
✓ Estate Planning (Trust & Will, Essential docs)
✓ Tax Planning Strategies
✓ Charitable Giving/Legacy
✓ Investment Analysis Guidance Only
✓ Monarch Money Subscription
✓ Right Capital Software Access
