Planning and investment management for young families who are trying to build something on purpose.
No account minimums · No investment commissions · No sales quotas
You are not looking for someone to take over. You are looking for someone to tell you the truth about where you stand and what to do next.
Most advisors wait at the finish line for you to arrive. We are useful at the starting line — the part of life where the decisions matter most and the account balance is smallest.
Eight things. All of them concrete.
It adjusts when life does. A raise, a baby, a layoff, a move — the plan changes with you instead of sitting in a drawer quietly becoming wrong.
We find what would break the plan first, put a real number on it, and handle that before anybody talks about returns.
Every balance, every rate, one order of attack, and a payoff date you can circle on a calendar.
Cash flow is not a diet. We create the excess every month, because that surplus is what funds everything else on this list.
Your portfolio gets built backward from what you need and when you need it by — not from what the market did last year. Held at Altruist Financial LLC. Nothing gets traded without you knowing why it is being traded.
Software I built myself — not the licensed template every other advisor in town is running. Budgeting, debt elimination, retirement modeling, net worth tracking. Built on the same engine I run client files on, and open to you between meetings at no additional cost.
No quarterly ritual where I read your own statement back to you. We meet when there is a decision on the table, and we stay in regular contact in between.
It is not what you make, it is what you keep. Which account, in what order, and what it costs you at tax time. Most people are guessing at this, and the guess compounds for thirty years.
The order is the strategy. Skipping ahead is how plans fall apart.
Death and disability are bottomless money pits until somebody puts a number on them. We size them — an actual dollar figure, not a feeling — and we plan for the expenses that keep running after a paycheck stops.
Some of that protection is insurance. I am licensed to sell it and I earn a commission when I do, and you will hear that from me the moment it comes up rather than in fine print at the bottom of a page. What I care about is that the policy is a quality contract from a quality carrier and that it does the job the plan needs it to do. I will review coverage you already own at no charge.
High-interest debt eats every dollar behind it, so it does not get managed — it gets attacked. We compare the payoff methods to the dollar, pick the one that retires the debt most efficiently, and set a date you can hold me to.
This is the hinge, and it is the step everyone wants to skip.
A budget is not restriction.
It is self-respect.
It exists to create your excess cash flow every month, because that surplus is the ammunition for everything that comes after it. No surplus, no offense.
It begins with how much you need and when you need it by. Then we determine whether those needs align with your tolerance for risk. The market is not the benchmark. Being on track to reach your goals is.
Two ways in. Pick the one that matches what you need.
Full planning engagement
$70
per month — or 0.50% of assets under management, whichever is greater. Never both.
* The plan fee does not have to be paid all at once. It can be broken into installments across 15 months, whatever works better for your cash flow.
Hourly advice
$120
per hour, billed in 10-minute increments
For people who do not need a full plan — they need one question answered well. A rollover decision, an offer letter, a refinance, a benefits election.
You pay for the time you use. Ten minutes is ten minutes.
No engagement required. No ongoing commitment. You pay for the time you use and nothing else.
Then start building anyway. Today. For free.
The Paraclete Studio is the software I built for my own clients — and you can be running it in the next ten minutes.
This is not a lead magnet PDF and it is not a spreadsheet with your name typed at the top. It is built on the same engine I run client files on. Build the foundation yourself — the budget, the debt attack, the emergency reserve — and when you are ready for a plan built around it, you graduate into planning.
Open the Paraclete StudioNobody gets turned away here for being early.
The part most advisors bury. I would rather you read it before you decide anything.
I am an Investment Adviser Representative. I am required to act in your best interest, and to tell you when my interests and yours are not the same. This section is me doing that.
My fee does not change based on which investments you hold. No commissions on your investments, no 12b-1 fees, no revenue sharing, no payment for putting your money in one fund over another.
When you buy life or disability coverage through me, the insurance company pays me — you never write me a check for it. It is typically a percentage of your first year’s premium, with much smaller renewal amounts in the years after.
Carriers price the same coverage differently, and they pay differently too. So here is the commitment: I do not choose a carrier, a product, or a face amount based on what pays me more.
I am building a practice on clients for life, not on single transactions. Putting my needs ahead of yours is not in your interest — and it is not in mine either. It costs me the relationship, which is worth far more than any one commission.
That is why we put a number on the need first and show you the math. You should be able to see for yourself that the recommendation follows the analysis.
Search the adviser and the firm on the SEC’s Investment Adviser Public Disclosure site. It will tell you how they are registered, what they are licensed to do, and whether anything has been reported. It takes two minutes and almost nobody does it.
Based in Pensacola. In person locally, by video anywhere we are registered.
Northwest Florida
Coastal Alabama
Meetings happen wherever they work for you. Nothing about the plan changes based on which one you pick. We take on a limited number of planning clients, because the work is not something you can do at volume and do well.
The ones that come up on almost every first call.
No. People assume financial advisors are for the wealthy — but nobody gets rich by accident. Some advisors manage the money once you already have it. We help you get there. There is no account minimum here. If you have $0 invested and a paycheck you are trying to organize, that is a completely normal place to start.
Compared to what? Advisors charging a flat retainer ran a median of $4,500 a year in 2024. Ours starts at $840 — and starts is the honest word, because the ongoing fee is $70 a month or 0.50% of what we manage, whichever is greater. Past roughly $168,000 in managed assets the percentage takes over. The plan fee is one time and can be spread across 15 months. But here is the better question. Can you put a price tag on the opportunities that have already passed you by while you did NOT have a plan? Which one has cost you more?
You can end the engagement whenever you decide it is not working. No lock-in and no cancellation penalty. A 30-day notice is required to end the relationship, and that requirement is binding on both of us — if I am the one ending it, you get the same 30 days. One exception, and I want you to hear it now rather than later: if the financial plan has already been built and delivered to you, the plan fee is still owed. That work is done and it does not un-happen. You will hear this from me more than once before you commit to anything, because nobody should ever be surprised by a bill from me.
It is 30 minutes and it is free. We talk about where you are and where you are trying to get. Nothing specific — we are only figuring out whether we can help you get there. If we cannot, I will tell you.
No. Most clients are local, but the work is not limited by geography — we meet by video with families across the Gulf Coast.
Look up Paraclete Life Planning and John Hendry III on the SEC’s Investment Adviser Public Disclosure site. You should do this with every financial professional you consider.
Thirty minutes. No cost. We are only assessing fit.
Schedule a ConversationTuesday, Wednesday and Thursday, 9:00 am – 2:00 pm. Same-day booking is not available.
Paraclete Life Planning LLC
Pensacola, Florida
Firm CRD #325341
John C. Hendry III · IAR CRD #7699097
Verify us at adviserinfo.sec.govParaclete Life Planning LLC is a registered investment adviser. Nothing on this site is individualized investment, tax, or legal advice. The Paraclete Studio is software, not advice, and using it does not create an advisory relationship. Investing involves risk, including the possible loss of principal.
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