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

  • The Conversation About Money You Need to Have With Your Spouse

    The Conversation About Money You Need to Have With Your Spouse

    Nobody likes to talk about money. In many ways, finances are the last big “taboo” in our society.  There’s even some research to back it up – a study from University College London surveyed 15,000 men and women in Great Britain a few years ago and found that people are seven times more likely to tell a stranger details about their sex life than they are to tell a stranger their salary. One of the central missions of my work is to help millennials get more comfortable talking about money. Because it’s absolutely critical that we do so, particularly as […]Read More »
  • Where to Keep Your Savings When Interest Rates are Low

    Where to Keep Your Savings When Interest Rates are Low

    Saving might be a virtue, but it’s not one that the market tends to reward. Even as interest rates in the economy as a whole have risen over the past few years, savings account interest rates generally haven’t followed suit.  Banks are quick to raise rates on things that make them money (such as interest rates on loans), but haven’t been nearly as quick to raise savings account rates. Simply put, savings accounts are terrible right now. Ask your parents or grandparents where they keep some of their spare cash, and they might tell you that rather than keep money […]Read More »
  • Should You and Your Spouse Have the Same Health Insurance Plan?

    Should You and Your Spouse Have the Same Health Insurance Plan?

    It’s the most wonderful time of the year…  health care open enrollment is upon us! Ok, ok, so picking a health insurance plan isn’t super exciting stuff.  Fair enough.  But, we all know that health insurance is important, and picking a plan is a critical step to protect our finances (and, of course, our health) in the coming year. For couples, though, making decisions about health insurance is much more complicated.  Should your family have one health insurance policy for both of you, or separate policies?  Before you drop your health insurance plan and add yourself to your spouse’s, let’s […]Read More »
  • 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 »