Financial Planning for Engaged and Newlywed Couples

Welcome to Pacesetter Planning!

My name is Bill Nelson. I am a fee-only financial planner who specializes in working with engaged couples and newlyweds. Getting married is one of the most exciting times in your life, but there are a lot of financial stresses that come with it. I should know, I'm a newlywed myself!

I help couples learn how to effectively manage their finances as a team, integrate their financial accounts (if you want to, at least!), grow their combined income, evaluate and prioritize financial goals, and make investing decisions to help them enjoy life today while also planning for the future.

Why Work with Us?

 Fiduciary 

I am legally obligated to act in your best interest (it’s a shocking concept, I know, but believe it or not, many investment firms aren’t held to this standard).  This is so important to me that I put it in writing - check it out!

 Fee-Only

I don't take any commissions or get paid by companies to sell products.  This means that I am always able to give you unbiased financial advice.  And unlike many fee-only firms, I don’t have account minimums!

 Comprehensive Planning

I don't just focus on long-term savings goals like retirement planning or saving for college.  At Pacesetter Planning, we focus on both the sprints and the marathons.  I help you seamlessly integrate your finances with your spouse and show you to use your money to enjoy life now - not just 40 years from now. 

 Partnership and Accountability

I work together with my clients to help determine what is most important to you, and then partner with you to help implement a plan to get you there.  And, Pacesetter Planning is a judgement free zone - I don't care if you've made some big money mistakes before, it's my job to work with you to fix them!  Think of me as your fiscal fitness trainer - a teammate whose job it is to make sure you show up, put in the work, and improve your results.

 Convenient

I work virtually with clients - you can meet with me from anywhere in the United States, from the comfort of your home!  I also hold meetings outside of normal work hours and on weekends, as needed. And of course, I'm always a phone call or email away!

 Millennial-Focused

I specialize in working with engaged or newly married people in their 20s and 30s, like me.  That means more focus on income growth, credit scores, and student loan analysis, and a lot less of what you think of when you picture a stereotypical financial planner!

Recent Posts

  • Don’t Panic About Proposed Public Service Loan Forgiveness Elimination

    Executive Summary Public Service Loan Forgiveness (PSLF) is a specific student loan payment strategy for individuals with high student loan debt who work for the government or a registered non-profit.  This includes government employees, employees of traditional non-profit entities, teachers, and even doctors and nurses who work at teaching hospitals.  Under this program, if you make 120 student loan payments on certain types of loans loans under a qualifying repayment plan, the remaining balance is forgiven after 120 payments. Originally created under the Bush administration, there have been many rumored changes to PSLF program over the years.  In 2012, the […]Read More »
  • What To Do If You Have a Worse Credit Score Than Your Spouse

    What To Do If You Have a Worse Credit Score Than Your Spouse

    When most couples talk about money, the topic of credit scores usually isn’t one that gets them fired up.  It’s much more fun to focus on a goal like buying a new home than it is to dwell on your credit score. But, building your credit is one of the most critical steps to take in your 20s, since your credit score impacts most of the other parts of your financial picture.  The interest rates on your future mortgages and car loans directly depend on your credit score.  And, credit takes time to build, so even if you don’t need […]Read More »
  • Whole Life Insurance Is a Terrible Investment For Most Millennials

    Whole Life Insurance Is a Terrible Investment For Most Millennials

    Several months ago, I wrote a post on this blog that was… shall we say, somewhat critical of using whole life insurance as an investment.  To be clear, that’s not to say that I think life insurance itself is bad.  Life insurance is important if you have a spouse or children who depend on your income, or if have a mortgage. But, there’s a big difference between getting life insurance because you actually need insurance versus getting a whole life insurance policy as an investment.  If you have an insurance need, you absolutely have to get a term life insurance […]Read More »
  • How to Take Control of Your Finances after Graduation

    How to Take Control of Your Finances after Graduation

    [Don’t miss the two free giveaways in this post!  Click here to access our new retirement calculator, and click here to download our comprehensive student loan guide!] The first 90 degree day of the year (at least here in Philadelphia) means a lot of things to different people.  Memorial Day Weekend.  Weekends at the park or pool.  And, of course, graduation season. Congratulations to everyone in Class of 2017! If you are finishing your undergraduate career this month, welcome to the working world!  If you are finishing a masters or professional degree program, congratulations on finally (probably?) being doing with […]Read More »