Fee-only financial planning for women 40+
A financial phone-a-friend for women in the middle of a change
I'm Nannette Belt, CFP®. Let's figure out your next step.
Is this you?
Nobody wakes up wanting "a financial plan." You call because something happened (or is about to).
- My spouse always handled the money, and now it's all mine.
- I got laid off (or I want out) and I don't know what I can afford.
- I inherited money and I'm scared to touch it.
- My parents need help and my kids still need me.
- I'm in my 50s and I have no idea if I'm on track.
- I have stock options at work and I don't really understand them.
- I want to retire, or at least make work optional. When?
- I'm tired of feeling behind every time someone mentions money.
If one of those made you nod, that's what an intro call is for.
Book an intro callWhat should you be doing with money at your age?
Every decade comes with its own questions. Start with yours.
Your 40s
Build and balance
Career moves, stock compensation, saving for later while living now, and getting on the same page with a partner.
Planning in your 40s
Your 50s
Prepare and reassess
Late-career choices, aging parents, grown kids, windfalls, and checking whether your savings and investments are set up for the next stretch.
Planning in your 50s
Your 60s
Execute and enjoy
Turning savings into income, deciding when to claim Social Security, health insurance before and after Medicare, and spending while you're healthy enough to enjoy it.
Planning in your 60s
When something big changes, start here
- A job change or layoffSeverance, benefits, your 401(k), and the question of what you actually need to earn next.Job change planning
- An inheritance or windfallSometimes the smartest first move with sudden money is no move at all.What to do with inherited money
- A promotion or stock grantA raise, RSUs, or stock options can add up fast. What to keep, what to sell, and how to handle the tax are decisions worth making on purpose.Planning for women in tech
- DivorceWhether it's on the horizon or already signed, there's a list of money decisions to get right, and some of them can't be undone.Divorce planning
The job change, inheritance, and divorce pages each come with a free checklist you can download. No email required.
Your money is all connected
Your cash flow affects your taxes. Your taxes affect your investments. Your investments affect when you can retire, and where you live affects all of it. I look at the whole picture so one fix doesn't create a new problem somewhere else. (Herding cats is part of the job.)
Why women work with me
I'm a woman, and I've been through some stuff
In the last 10+ years I've changed careers, moved across the country, gotten divorced, lost a parent, and started a business twice. I can't promise I've lived your exact situation. I can promise I won't be shocked by it.
I came from the corporate world
I spent 15+ years in business intelligence and IT before I became a planner. I explain things the way a colleague would. Nobody gets mansplained here.
I'll tell you when I don't know
Then I'll go find the answer. I'd rather say "let me check" than guess with your money.
I care about the why behind the numbers
The goal is the best decision for you today with what we know right now. Sometimes that's the "optimal" answer. Sometimes it's the simpler one that lets you sleep at night, and you have my permission to pick it.
What usually changes in the first 90 days
The numbers matter, but most of what changes early on happens in your head.
Relax
You've taken the first step. You have someone in your corner and a safe place to ask the questions you've been sitting on.
Trust
You get to know me and the process, and you see the plan take shape one decision at a time.
Believe
You start to believe you can get through whatever is changing, and that the next chapter can look the way you want it to.
I'm a mix of empathy and accountability. I won't let you hide from the hard conversations, and I won't judge you for needing them.
Working together starts here
A short intro call to see if we're a fit, both ways.
A second meeting where we dig into your situation and your most recent tax return, and I share some first observations.
A proposal by email that lays out how I'd work with you and what it costs.
If you say yes, four to six meetings over your first three to six months to cover every area of your plan.
What it costs, in plain numbers
Nobody in this business works for free, so I post my fees. You shouldn't need a sales call to find out what something costs.
$5,000
Ongoing financial planning starts at $5,000 a year, paid monthly.
$6,000
Retirement income planning starts at $6,000 a year, paid monthly.
0.55% to 1.15%
Investment management runs 0.55% to 1.15% a year, depending on portfolio size.
$1,000
Planning projects start at $1,000, paid in two payments.
Most clients who use ongoing planning plus investment management pay $5,000 or more a year.
I'm not a stock picker
I recommend low-cost, globally diversified, passive ETF portfolios, matched to your risk tolerance and your plan. If you want hot tips about next quarter, I'm the wrong person to ask.
Hi, I'm Nannette
I'm a CFP® professional, an RICP®, and a recovering corporate IT person with an MBA from Kellogg. I started Inspiration Financial Planning in 2015 and relaunched it in California in 2025. You'll never see me in a suit. You will see me at the beach in Carlsbad, probably with my phone out taking another sunset picture.
Plan to be inspired
You don't need everything figured out. You need a next step.
Book a free intro call. We'll talk about what's going on, what you need, and whether I'm the right person to help.
Not ready to talk yet?
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