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

  • Why Budgeting Doesn’t Work For Most People (And How To Make It Work For You!)

    Why Budgeting Doesn’t Work For Most People (And How To Make It Work For You!)

    Summary When most people think about trying to improve the state of their finances, “budgeting” tends to be one of the first words that comes up. And that’s a shame.  Really. I’m not sure I’ve ever met anyone who actually likes budgeting.  And there are a few good reasons for not liking traditional budgeting: Most of us think that “budgeting” means at best, being cheap, and at worst, cutting our spending on things that we like to spend money on. Budgeting isn’t easy. In fact, the way most of us try to make budgets for ourselves, it takes effort to […]Read More »
  • Should I Invest in Bitcoin?

    Should I Invest in Bitcoin?

    Summary It’s hard to escape the investing phenomena that Bitcoin has become.  The rapid growth of the investment in 2017 caused many people to wonder whether they should invest in Bitcoin. In this article, we discuss whether or not it makes sense to put some money in Bitcoin. As we will discuss, I’d invite you to ask yourselves three “Why?” questions before deciding whether or not this makes sense for you. First, we’ll discuss why you are thinking about investing in Bitcoin now, and the risks involved in putting money into investments that have recently taken off in value. From […]Read More »
  • The Unintended Consequence of the Tax Reform Law for Student Loan Borrowers

    The Unintended Consequence of the Tax Reform Law for Student Loan Borrowers

    Executive Summary When married couples with student loan debt go onto an Income-Driven Repayment plan, there’s a choice to be made:  is it better to file your taxes jointly (but base your income-capped student loan payments on both you and your spouse’s income) or to file taxes separately (and only count your income when calculating your student loan payment)? Although it didn’t address student loans directly, the passage of the Tax Cuts and Jobs Act of 2017 has a big unintended consequence for these student loan borrowers.  This decision around whether to file taxes jointly or separately when on an […]Read More »
  • How Will the Tax Cuts and Jobs Act Affect You?

    How Will the Tax Cuts and Jobs Act Affect You?

    Like just about everything these days, most of the coverage around the “Tax Cuts and Jobs Act” has been viewed with an overwhelmingly partisan lens.  Most of this has to do with the nature of the corporate tax cuts in the law, perhaps justifiably so.  But in my opinion, there’s been far too little discussion about the actual impact the law will have on individuals and families in our generation. Now that the political bickering is over (at least on this issue…) and the tax proposal has been finalized, let’s take a look at exactly how this tax overhaul will […]Read More »