BASED IN MICHIGAN • SERVING CLIENTS NATIONWIDEFinancial planning that honors your whole self.
Build a plan that feels aligned and sustainable, so you can live with clarity and confidence.
Committed to the highest standards
Boutique Financial PlanningWhere your money story meets meaningful strategy.
We provide a private, trusted space to have the conversations most people avoid. Your goals. Your fears. The late-night questions about whether you’re doing enough.
Here, you can bring all of it.
Without shame, judgment, or confusion.
This is financial planning designed for real life, where rigorous strategy is paired with empathy, clarity, and discretion.
PSYCHOLOGY-INFORMED WEALTH MANAGEMENTThe Innermost Difference
Financial planning that feels like therapy for your money.
With a background in both finance and psychology (plus years of studying how people really make money decisions), we hold space for the conversations most advisors avoid or overlook. Our work blends technical depth with deep listening, so you can feel seen, understood, and supported in every facet of your financial life.
Independent, fee-only, fiduciary firm.
We don’t sell products, accept commissions, or receive compensation from third parties—ever. As a fee-only fiduciary firm, our only compensation comes directly from you, ensuring our guidance remains objective and aligned with your best interests.
Our independence gives us the freedom to design truly personalized strategies and relationships, with no corporate agenda or sales quota in the way.
Boutique by design.
We don’t serve the masses. We serve you. Here, you won’t feel like a number or be passed between advisors and departments. Every client receives direct access, high-touch planning, and a trusted partnership designed to last through life’s most meaningful and most complex seasons.
You’re not alone in wondering.
Our most asked questions before getting startedWhat does it look like to work together?
Our work begins with an introductory conversation to determine whether working together is a good fit.
If we decide to move forward, we begin a focused onboarding process where we gather information, clarify priorities, and build a coordinated strategy across your investments, retirement planning, tax considerations, and long-term goals.
Once your plan is in place, we transition into an ongoing advisory relationship with structured review meetings throughout the year, along with additional guidance whenever important decisions or life changes arise.
Our role is to provide thoughtful planning, disciplined oversight, and objective advice so your financial strategy evolves alongside your life.
Innermost Wealth works with individuals and families who value a long-term advisory relationship and want a trusted professional helping guide important financial decisions.
Many of our clients are high-earning professionals, business owners, and individuals navigating meaningful life transitions such as career changes, divorce, or major family decisions.
What they share in common is a desire for clarity, coordinated strategy, and a financial plan designed to support the life they want to live.
We provide comprehensive financial planning and investment management designed to support your full financial life.
For most clients, this means an ongoing advisory relationship where planning and investment management work together within one cohesive strategy.
Our ongoing advisory work often includes:
- Financial planning
- Investment management
- Retirement planning
- Tax strategy and coordination
- Estate and legacy planning
- Risk management and insurance review
- Cash flow and savings strategy
- Family and education planning
- Guidance through major life transitions
Our approach is intentionally integrated so each financial decision supports the broader strategy rather than being made in isolation.
For clients navigating complex and advanced planning situations, we offer focused planning engagements, including divorce financial planning, equity compensation planning, and small business planning.
Innermost Wealth operates as a fee-only advisory firm. Our compensation comes solely from the fees our clients pay us through investible assets or direct payment. All fees are transparent and written into an advisory agreement.
We do not receive commissions or compensation from financial products.
Yes. We are both obligated and committed to acting in our clients’ best interests at all times.
This fiduciary responsibility means our recommendations must prioritize your goals, financial well-being, and long-term outcomes.
Thoughtful planning in pivotal life moments.
Impact Stories
Equity CompensationMaximizing Career & Benefits
High-growth careers bring unique rewards and unique pressures. Emily found herself navigating the complexities of equity compensation and a major career pivot while trying to keep her family’s future in focus. This case explores how we helped her move past decision fatigue to align her concentrated wealth with her long-term vision.
Retirement & EstateFamily in Transition
As part of the 'sandwich generation,' David and Ana were balancing the needs of aging parents and growing children, all while trying to secure their own future. This case explores how a coordinated strategy helped them navigate these competing pressures and move forward with a clear sense of priority.
Divorce planningNavigating Divorce
Divorce is more than a division of assets; it’s the rebuilding of a life. Rachel needed to move from the uncertainty of transition to the stability of a new path forward. This case examines how thoughtful financial analysis and emotional advocacy can provide the clarity needed to make confident decisions about housing, cash flow, and what comes next.
THREE SIMPLE STEPSHow to work with us.
Complimentary Consultation
Share what you're navigating and what you're looking for. This is a calm, no-pressure conversation to explore whether working together makes sense.
The Inner Circle
If it's a mutual fit, we confirm our partnership and begin our psychology-informed planning process, designed to bring structure, clarity, and confidence to your money.
Ongoing Partnership
We provide proactive planning and investment management through life's transitions, ensuring your strategy remains aligned as your goals and circumstances evolve.
FINANCIAL PLANNING FOR WOMEN & FAMILIESWealth guidance for the woman you are and the one you're becoming.
Money isn’t just math. It’s power, emotion, identity, and security. It holds the weight of your past and the shape of your future.
At Innermost Wealth, we offer more than financial advice. We offer a space to be seen, supported, and strategically guided through all of life’s complexities. Whether you’re climbing in your career, navigating divorce, managing equity comp, building a family, or rewriting your story altogether, we meet you where you are with a plan that evolves as you do.
This is wealth management that honors your whole self: the analyst and the artist, the caregiver and the creator, the practical and the possibility-driven.
We’re here to help you align your money with your life, not the other way around.
Planning Perspectives
View all articles →What to Do With an Inheritance: A Guide to Honoring the Past and Planning Your Future
How to approach one of the most emotionally complex financial moments with both care and clarity.
Read article →When Should You Take Social Security? What Actually Drives the Right Decision
The factors that actually matter when timing one of retirement's most consequential choices.
Read article →When Ego Enters the Portfolio: What Behavioral Finance Reveals About Confidence and Bias
How our psychology shapes and sometimes distorts our investment decisions.
Read article →Your money has a story. Let's write the next chapter.
A complimentary 30-minute consultation with Kimberly. No pressure, no obligation, just an open conversation about where you are and where you want to go.
Fee-only · Fiduciary · Independent · Woman-owned