For self-directed professionals
Before You Make a Major Financial Decision, Get a Second Opinion.
One-hour sessions with a CFP® for people navigating retirement, layoffs, equity compensation, and family-money decisions.
Katy Song, CFP®
Fee-only financial planner · Mill Valley, California
CFP® professionalFiduciary judgment
Fee-only plannerNo product sales
800+ clients helpedClarity and confidence
Mill Valley, CaliforniaKaty Song
Who it is for
For people who do not want to hand off their financial life.
You manage your own investments. You have read the articles. You may already have the model, the spreadsheet, or the plan. But some decisions deserve a second set of eyes.
Retirement
Can I stop working earlier than planned?
Layoff
What should I do before signing a severance agreement?
Equity
Am I too concentrated in company stock?
Cash
How much liquidity do I really need?
Family
How much can I help without compromising my own retirement?
What we can discuss
Bring the decision you keep circling.
The session is designed around the immediate tradeoff, not a full-service planning engagement.
Topics might include
A focused read on the decision in front of you.
No pre-work is required. Documents or spreadsheets are useful only when they help clarify the question.
Retirement timing
Big Tech layoffs
Severance packages
RSUs and company stock
Cash runway
Mortgage payoff
Investment allocation
Social Security timing
Roth conversion questions
College support for children
Helping aging parents
Whether your current plan still works
How the hour works
One focused hour. One decision at a time.
Step 1Prepare ahead
Optional: use the Planning Prep concierge to clarify your questions, then bring the decision you want to pressure-test.
Step 2Review the tradeoffs
We walk through risks, blind spots, and what matters most in your situation.
Step 3Leave with clarity
You leave with clearer next steps — and where specialized advice may still be needed.
One hour. One focused outcome.
How it works
How Friday Office Hours work
Step 1Choose a session time
Book directly through Private Line.
Step 2Bring one decision or a short list of questions
No pre-work is required. You may bring documents or a spreadsheet if helpful.
Step 3Talk by phone or video
We focus on the decision in front of you.
Step 4Leave with clearer next steps
You will understand the tradeoffs, risks, blind spots, and where more specialized advice may be needed.
Why Katy
Experienced, fiduciary financial advice without the traditional advisor model.
Katy Song is a CFP® professional and fee-only financial planner based in Mill Valley, California. She has helped more than 800 clients gain clarity, confidence, and financial freedom through actionable advice, and her background includes corporate finance at Citi, fintech leadership, and more than a decade running her own planning practice.
Just focused financial judgment.
- No asset management requirement.
- No commissions.
- No product sales.
- Focused advice for the decision in front of you.
Fee
Simple hourly access to fiduciary judgment.
Pay only for the time you use. A card authorization secures your Friday slot (30-minute minimum). You are not charged until after your session.
Book Friday Office Hours →
Rate
$10USD per minute
- 30-minute minimum
- Fridays · 7:00 AM – 5:00 PM Pacific
- Phone or video through Private Line
What this is not
Focused advice, not a full financial plan.
Private Financial Office Hours are designed for limited-scope financial advice based on the information available during the session.
— A comprehensive financial plan
— Investment management
— Tax preparation
— Legal advice
— Ongoing monitoring
— A written financial plan
— A replacement for your CPA, estate attorney, or benefits specialist
Book private office hours
The decision is yours. You do not have to make it alone.
Start with the decision in front of you. This short form helps identify the topic before you continue to booking through Private Line.
Not sure where to start? Try the 5-minute Planning Prep flow first — your summary carries over here.