- 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 opportunities, risks, and strategies. It’s not a binder of charts, but a living plan that evolves as markets shift, laws change, and life unfolds.
We typically meet twice per year via Google Meet, and you have access to us anytime in between. You’ll also have 24/7 access to your own RightCapital planning portal and a Monarch Money subscription for budgeting and cash flow.
Areas where we provide ongoing guidance include:
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Retirement Planning – Creating and updating your vision for a secure retirement.
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Cash Flow & Debt Management – Strategies for a balanced financial life.
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Tax Planning – Annual projections, Roth conversions, charitable giving, and more.
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Investment Guidance – Education and structure so you feel empowered to manage your own portfolio with confidence.
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College & Education Savings – Planning for children’s or grandchildren’s educational goals.
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Estate & Incapacity Planning – Coordinating documents and planning for wealth transfer
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Insurance Review – Assessing needs for life, health, and long-term care protection.
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Real Estate Decisions – Support with buying, selling, refinancing, or downsizing.
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 — not the size of your portfolio. This ensures our advice is objective, transparent, and aligned with your best interests.
Annual Flat Fee
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Couples: $12,000 per year
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Individuals: $10,800 per year
Your fee is reviewed and agreed upon before beginning, and may adjust over time with inflation. 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.
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.
