Specializing in financial planning for families
How Does It Work?
What Does Working With Us Look Like?
Discovery Call
Each service begins with a 30-minute discovery call to understand your unique financial situation and goals
Create a Plan
After the discovery call, we will create a plan that will help you reach your goals
Implement and Adjust
You can choose to implement the plan on your own, or we can assist you throughout the implementation process
Our Services
Hourly Planning
Designed for individuals beginning their financial journey. Hourly planning allows you to limit costs and only pay for the help you need. Get answers to your financial questions and, if needed, get help taking action.
Ideal For:
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Young investors
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Under $50,000​ in investments​
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Cost: $200 per hour
Project-Based Planning
Ideal for DIY investors seeking in-depth planning on taxes, college funding, retirement, or other specific financial areas.
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Comprehensive planning combines all areas of your finances to create a complete step-by-step plan to reach your life goals.
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Ideal For:
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DIY investors looking for assistance with complex financial planning​
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Parents looking to learn how to pay for college down to the penny
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Anyone looking for financial planning without a long-term commitment
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Anyone desiring a second opinion
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Cost: $1000-3000, based on complexity
Investment Management Services
As you accumulate more assets, your needs change. With investment management, you get help building a personalized portfolio that will help you maximize growth and manage taxes efficiently.
Ideal For:
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Investors trying to accumulate assets but need more assistance
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Under $200,000 of investments
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Cost: Based on portfolio size
Wealth Management
If you are ready to achieve your goals and improve your finances, Family Life Financial Planning's wealth management is ideal, combining all aspects of your financial life to help you achieve your goals. From taxes to retirement income planning to investment management, there is no better service to help you live your desired life.
Ideal For:
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​Families approaching college or retirement and needing guidance through those processes
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Families looking to minimize their lifetime tax burden
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Families wanting help creating and following a financial plan
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Cost: Based on family portfolio size, a minimum of $3000
can be paid out of investment accounts
Most Families Struggle With Money
Michael Kostelnik, President
As a financial planner and bi-vocational pastor, I understand the challenges of parenthood, particularly when it comes to managing finances. I have spoken with many parents who face similar struggles. As a father of four, I understand and share these financial challenges. Together, we can navigate these financial hurdles and find solutions that work for your family.
How I've Helped People Like You
A Bigger House for the Kids?
Five years ago, a family of four came to us wanting to get into a position to purchase a new home. Over the next five years, we increased their cash savings by $65,000, doubled their retirement savings, and helped the husband start his own business. They are now on a path to getting a larger house than originally planned and sending both children to college without negatively impacting their retirement.
Retire Debt Free?
Four years ago, a single professional expressed his interest in having a secure retirement and prioritizing paying off his mortgage before retiring. His goal was to retire at age 65, and he was behind on saving. Four years later, at age 59, we have saved enough to pay off his mortgage, and he is on pace to retire on schedule.
Too Much Debt, Not Enough Savings and College is coming
Eight years ago, we began working with a family of four. They were the typical Gen Z family: They make a good living but have too much credit card debt. They had one child in pre-school and one in early elementary school, and didn't know how to turn their lives around. Now, they carry no credit card debt, are saving aggressively for retirement, and are getting ready to send their first child to college.