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, job changes, equity compensation, and family-money decisions.

You've done the research. Let's pressure-test the decision.

Request Friday Office Hours

Fridays only. Phone or video. No asset management. No sales pitch.

CFP® professional Fiduciary judgment

Fee-only planner No product sales

800+ clients helped Clarity and confidence

Mill Valley, California Katy 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?

Job Change

What should I consider before accepting, leaving, or negotiating a role?

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
Job changes and career transitions
Compensation, benefits, and severance questions
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 it works

How Friday Office Hours work

Step 1

Choose a Friday time

Request a Friday appointment through Private Line. Katy reviews and approves the requested time before the meeting is confirmed.

Step 2

Bring one decision or a short list of questions

No pre-work is required. You may bring documents or a spreadsheet if helpful.

Step 3

Talk by phone or video

We focus on the decision in front of you.

Step 4

Leave with clearer next steps

You will understand the tradeoffs, risks, blind spots, and where more specialized advice may be needed.

Fee

Simple hourly access to fiduciary judgment.

Pay only for the time you use. Sessions require a 30-minute minimum and take place on Fridays via phone or video through Private Line. A card pre-authorization secures the requested time; if you cancel at least 24 hours before the meeting, the authorization is released. Missed or no-show appointments are billed for the 30-minute minimum.

Request Friday Office Hours

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
Request Friday Office Hours

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.

Request Private Office Hours

The decision is yours. You do not have to make it alone.

Start with the decision in front of you. Private Line handles the intake form, Friday time request, approval flow, and card pre-authorization.

Private Line booking

Request a Friday time and complete Katy’s intake form.

You will continue to Private Line, choose a Friday appointment request, complete the intake form, and place a card pre-authorization. Katy reviews and approves the requested time before the meeting is confirmed.

Request a Friday time Choose your preferred phone or video appointment time through Private Line.
Complete the intake form Share the decision or questions you want to discuss before Katy reviews the request.
Place a card pre-authorization The authorization secures the requested appointment time. You are only billed according to the final session time and 30-minute minimum.
Cancellation and no-show policy Cancel at least 24 hours before the meeting for the authorization to be released. Missed or no-show appointments are billed for the 30-minute minimum.

Continue to Private Line

Booking, intake, approval, and payment authorization happen securely on Private Line.