Financial Planning

Our Financial Planning Services begin with a comprehensive evaluation of your current financial situation, including income, expenses, assets and liabilities. Then we collaborate with you to outline your financial goals. From there, we start the planning process to make your goals a reality.


We offer basic and comprehensive plans that include the following areas:

Cash Flow Planning

Review what's coming in, what's going out, and where it's going to help plan your saving, spending, investment strategies.

Protection Planning

Look for uncovered risks so you and your family are protected against negative events.
Personal Money Management Services
A full service option for ongoing planning and money management.

Retirement Planning

Project retirement needs to develop a strategy to achieve this goal.

Tax & Estate Planning

Incorporate opportunities to reduce your overall tax burden; and ensure that documents are in place to carry out your wishes.

Investment Management

Assist in the development of a portfolio that incorporates your goals and circumstances.

Special Goals

Plan strategies to achieve goals like education, special needs children, and planning parental needs.

Integrating Business + Personal Finances

Strategic planning to ensure that your personal and business goals and actions align.
These services are designed to empower you to take control of your finances, make informed decisions, and achieve financial security and peace of mind.

On-Demand Business or Financial Planning Services

Optimize your financial strategies with our On-Demand Business or Financial Planning Services that are tailored to address a key aspect of your business or personal finances.


Business Money Management On-Demand Services 


Tools to empower you with the knowledge, tools, and support needed to effectively manage your business’s finances and drive sustainable growth:

  • Financial assessment and goal setting
  • Profit planning and forecasting
  • Budgeting and expense management
  • Cash flow optimization
  • Retirement, investment, and growth strategies



Personal Money Management On-Demand Services typically include:


  • Divorce planning
  • Retirement planning
  • Seeking a second opinion or utilizing us as a valuable sounding board


Elevate your financial decisions with targeted guidance. Choose On-Demand Planning for a customized approach to your financial success.


On Demand Planning
Use this option if you need help with just one aspect of your finances, such as a second opinion, divorce or retirment planning.


General Questions exactly are your different from an accountant?

Accountants tend to deal with balancing your books and filing your taxes while I take on more of a strategy and leadership role. I take a look at your entire company and assess its current financial health while looking for growth opportunities for the future.

Do I need to have a certain amount of assets for you to work with me?

No. We do not require any minimum amount of assets to work with us.

Do I have to move my assets over to you to work with you?

No. With our Advice-Only model, PS Worth does not manage assets, and therefore does not require you to move your accounts to work with us. However, we may recommend that you move some accounts in order to simplify and make managing your finances easier.

Are you a fiduciary?

A fiduciary is someone who has only your best interests in mind when making recommendations, As we do not (and will not ever) sell investment products or receive commissions of any kind, we have no incentive to do otherwise. We are are an independent “fee-only” firm, which means that our ony compensation comes from the fees paid directly to us by our clients.

What is your investment philosophy?

We follow a passive investment philosophy that does not attempt to beat market returns. Our approach involves holding investments for the long-term, and not trying to “guess” what the market is going to do in the short-term. We recommend investing in a diversified portfolio containing low-cost index funds and exchange-traded funds (ETFs), and maximizing returns by reducing costs and taxes that you will pay over the course of your lifetime.

Can I meet with you in person?

We do not have a brick and mortor office space, and therefore the majority of our meetings are virtual. However, we are open to occassional meetings in the Irvine, CA area.

Can you work with me if I live outside California?

Yes! We are located in Irvine, but can work virtually with most anyone in the U.S.

How much is this going to cost me?

Our goal is to assist you with the challenges you are facing and identify opportunites to help scale your company and personal growth. Each client is different. Once we understand how we can help, we can give you prices.