I'm Tired of Stressing About

LET US SHOW YOU A BETTER WAY

THIS IS WHAT FINANCIAL PLANNING 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.

Illumint, designed by Kevin Mahoney, CFP®, offers virtual financial planning specifically to the millennial generation. A fee-only financial advisor, Kevin specializes in navigating the new financial decisions that arise during our late 20s and 30s. Illumint is located in Washington, DC, but helps young adults around the U.S. with student loans, buying a house, & college savings.

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. 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

OUR LIFE CHANGES CALL FOR A MORE ENGAGED ADVISOR

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

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
more
$249
PER MONTH

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

Let’s chat – no cost, no strings attached – before you make any decisions

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