Thinking About Money Makes Me

LET US SHOW YOU A BETTER WAY

THIS IS WHAT FINANCIAL GUIDANCE FOR OUR GENERATION LOOKS LIKE

We specialize in the unique challenges that young families & couples face

PEER DESIGNED

We tell you your total cost: $799 upfront, then $199 per month.

TRANSPARENT

We let life events dictate our discussions rather than put everything in one document

NOT OVERWHELMING

From online meetings to user-friendly analysis tools, we interact with you in ways that actually work for your life

TECH FRIENDLY

LIFE IS MESSY.

Most days, it takes all of our mental energy just to keep up with our work, relationships, and/or children. Kevin Mahoney, CFP®, created Illumint™ to offer virtual financial planning specifically to the millennial generation. A fee-only financial advisor, he specializes in navigating the new financial decisions that arise for young families, newlyweds, & rising professionals during their late 20s and 30s. Kevin, who is married, has two young boys, and lives in Washington, D.C., holds online meetings at off-hours to address our most pressing concerns, such as student loans, college savings, and buying a house.

We specialize in the unique challenges that young families & couples face

We tell you your total cost: $799 upfront, then $199 per month.

We let life events dictate our discussions rather than put everything in one document

From online meetings to user-friendly analysis tools, we interact with you in ways that actually work for your life

ABOUT

I’m the father of two young boys who, immediately upon arriving in the world, started to challenge any pre-existing notions that I held about my time. I quickly began to view mundane adult tasks, from grocery shopping to house repairs, as time not spent going down a slide, reading Dr. Seuss, or building train tracks for Thomas the Tank Engine. Financial chores were probably the most frustrating task. My to-do list never seemed to grow shorter, especially now that the kids had introduced new decisions into the mix. Our country's financial system didn’t help. I always felt the need to proceed warily to avoid high fees and unsuitable services. My wife and I tried working with my parents' financial advisor, but our experience wasn't positive. The process was poorly defined, the technology was cumbersome, and the suggestions we received failed to address our questions. I have an undergraduate business degree and an MBA in finance -- if I felt this way, how much more stressed must other people in my age group feel? I ultimately decided to apply my finance background to changing the answer to that question. Through a business model designed specifically for our generation, I want to bring clarity and confidence to your financial decisions, so that you can finally focus on more important activities.

DESIGN

WE CREATED A PROCESS THAT WE WOULD WANT TO USE, TOO

SPECIFIC FOCUS

Some advisors claim to specialize in helping individuals, families, and businesses. Sounds great, but it's unlikely that he or she fully grasps any one group's needs

YOUNG COUPLES

We welcome anyone who is interested in our business model, but we’re also willing to admit that we're best at helping people at a certain point in life

GROWING FAMILIES

RELEVANT EXPERTISE

EMPLOYMENT BENEFITS
SALARY NEGOTIATIONS
STOCK OPTIONS
SIDE GIGS

JOINT BANK ACCOUNTS
HEALTH CARE SAVINGS
FINANCE APPS
TRAVEL FINANCES

STUDENT LOANS
HOME PURCHASE
CREDIT CARDS
FINANCIAL DATA THEFT

COLLEGE SAVINGS
CHILD EXPENSES
KIDS & MONEY

RETIREMENT
ASSET ALLOCATIONS
LIFE INSURANCE
ESTATE PLANNING

EMPLOYMENT BENEFITS
HEALTH CARE SAVINGS
SALARY NEGOTIATIONS

BUDGETING
JOINT BANK ACCOUNTS
TRAVEL FINANCES

STUDENT LOANS
HOME PURCHASE
CREDIT CARDS
FINANCIAL DATA THEFT

COLLEGE SAVINGS
CHILD EXPENSES
KIDS & MONEY

RETIREMENT
ASSET ALLOCATIONS
LIFE INSURANCE
ESTATE PLANNING

GRADUAL STEPS

CONCEPT

YOU’RE CAPABLE OF FIGURING OUT THIS STUFF

BUT IS THAT REALLY HOW YOU WANT TO SPEND YOUR TIME?

HOW WE'RE DIFFERENT
CFP® PROFESSIONAL
You shouldn't settle for anything less than the most rigorous credential in the industry.
SPECIALIZED
We tailor every aspect of our business model to address the needs that young people with new or growing families (including us!) face.
FLAT FEES ONLY
We don’t sell any products and we don’t accept commissions from other companies. You only pay a flat rate, and you always know the amount in advance.
OUR DIFFERENCES EMPOWER YOU TO USE YOUR TIME DIFFERENTLY
LOW-COST INVESTING
We base our recommendations on the most time-tested research. For investments, we stick to index funds and minimize the fees you’re charged.
NO MINIMUMS
We’ve eliminated any incentive for us to work only with the wealthy. We welcome all income levels and investment portfolio sizes.
VIRTUAL MEETINGS
You don't need to commute to a lifeless office park anymore. You don't even need to live in the same city as us. Instead, we'll rely on video chat and just meet in person when feasible.
PRICING

HERE'S THE AMOUNT YOU'LL PAY

MOST ADVISORS WON'T POST THIS ONLINE, BUT WE PREFER TRANSPARENCY

• BEST VALUE •

ANNUAL FINANCIAL PLANNING

Designed for those who seek to delegate financial research, validate their current approach, put an end to inaction, or stop wondering what they’ve missed
  • MOST COMPREHENSIVE ANALYSIS OF SHORT & LONG-TERM GOALS
  • MEETINGS ARE DESIGNED ACCORDING TO YOUR INTERESTS & SCHEDULE
  • PAYMENT WORKS LIKE A MONTHLY SUBSCRIPTION, RATHER THAN A LARGE BILL
  • INCLUDES FULL INVESTMENT ADVISORY SERVICES AT NO ADDITIONAL COST
more
$249
PER MONTH

In month #1, $899 payment for initial analysis replaces typical billing

SPOTLIGHT FINANCIAL SESSION

Designed for those who only feel stressed about a single pressing financial issue, and would love to have access to a financial advisor for just a few key questions
  • POTENTIAL TOPICS INCLUDE STUDENT LOAN REPAYMENT OR FIRST-TIME HOUSE PURCHASE
  • ADVISOR & CLIENT WILL DISCUSS REQUEST BEFORE ANY PAYMENT BECOMES DUE
  • FEATURES ONE-ON-ONE VIRTUAL MEETING TO REVIEW RESEARCH & GUIDANCE
  • ADVISOR REMAINS AVAILABLE FOR FOLLOW-UP QUESTIONS DURING IMPLEMENTATION
more
$699
ONE-TIME FEE

INVESTMENT ADVISORY SERVICES

Designed for those who don’t have financial questions or concerns, but want to make sure that their investment portfolio aligns with their needs and goals
  • INVESTMENT PROFILE ANALYSIS HELPS DETERMINE MOST APPROPRIATE PORTFOLIO
  • RECOMMENDATIONS INCLUDE ACCOUNT TYPES, INVESTMENT AMOUNTS, AND ALLOCATIONS
  • SEMI-ANNUAL MEETINGS UPDATE STRATEGY TO REFLECT NEW LIFE CIRCUMSTANCES
  • ADVISOR MONITORS INVESTMENT ACCOUNTS FOR UNDESIRABLE DEVELOPMENTS
more
$1,499
ANNUAL FEE

*Discount available for self-directed, passive investment approach*

Let’s chat – at no cost to you – before you decide on a service

FAQ

ADVISORS DESERVE YOUR SCRUTINY & TOUGH QUESTIONS

KNOWLEDGE

YOUR BREAKFAST ISN’T COSTING YOU FINANCIAL STABILITY

AND OTHER INSIGHTS THAT SHOULDN'T BE NECESSARY

Analyzing our country's economic challenges requires hard work and doesn't bring in the ad dollars. More often than not, most people with a microphone or byline who offer you "advice" may just find it easier to shift the blame to you.

COLLEGE SAVINGS

529 Plans & Roth IRAs

STUDENT LOANS

Consolidation vs. Refinancing

ADDITIONAL READING

CONNECT

SCHEDULE A (FREE) CONVERSATION