WHO WE SERVE / GROWING FAMILIES Everything feels urgent. None of it feels clear.
Financial planning for new parents navigating equity compensation, taxes, cash flow, and major life transitions — all at once.
THE REALITYYou know these things matter. You just can't figure out which one to do first.
Between daycare drop-offs, work meetings, and bedtime routines, financial decisions get squeezed into whatever time is left. That's when things start to feel reactive. We work with a lot of families doing financial planning during naptime.
Most of these don't feel like emergencies — until one of them is.
WHAT'S ACTUALLY URGENT RIGHT NOWPROTECTION FIRSTLife and disability insurance
If something happened to you or your partner tomorrow, what does your family's financial situation look like? Most people don't have a clear answer. This is the one to solve first.
EQUITY COMPENSATIONRSUs and ESPP
Equity comp adds complexity most new parents aren't equipped for. Vesting schedules, tax withholding gaps, when to sell — these decisions have real and lasting consequences.
EDUCATION SAVINGS529 planning
Starting early matters more than the amount. We help you figure out how much, which account, and how it fits alongside everything else you're funding at the same time.
FOUNDATIONCash flow and emergency fund
Parental leave changes your cash flow in ways most families don't fully plan for. The right buffer — and knowing what it should actually be — matters more now than ever.
THE REAL PROBLEMYou're not doing anything wrong. You're just making decisions in isolation.
You don't need more information. You need someone to tell you what matters now, what can wait, and why.
WHAT PEOPLE THINK I need to learn more before I can decide.
Everything is urgent and I don't know where to start.
I'll handle it when things settle down.
WHAT’S ACTUALLY TRUEThe decisions are already happening. Inaction is a choice too.
Someone to tell you what matters now, what can wait, and why.
You don't need everything to be perfect.
You need a plan that works when things aren't.
CASE STUDYTwo kids, a third on the way, and a two-year financial to-do list that finally got done.
Elizabeth and Matthew were in their late 30s with two kids, variable dual income, and a list of financial decisions that kept getting deferred — no estate plan, no named guardians, cash in the wrong places, 529s not started. The nap window was being spent anxious about finances. Here's what changed.
Done
Estate plan, guardians named — before baby #3 arrived
3-bucket
Cash framework — every dollar matched to its timeline
15+ yrs
529 compounding — started at 38, not 48
“We know we need to get this right. We just can’t find the time.”
— Elizabeth & Matthew - Dual Income - Variable Earnings - Third child on the way
Composite illustration. Names and details are fictional. Results are not guaranteed and will vary by individual situation. Dynamic Financial Planning, LLC is a Registered Investment Adviser registered with the State of Arizona.WHO IS THIS FORYou're likely a fit if:
You're a new parent and life suddenly feels more financially complex.
You have equity compensation and aren't sure how to handle it alongside everything else.
You've been meaning to get this in order, and now you actually have a reason to get it done.
You and your partner both work and income has grown faster than your financial structure
You want someone to tell you what to do and explain why. Not just hand you a spreadsheet.
You want a fee-only, fiduciary advisor — no commissions, no products, no conflicts.
You don't need more information.
You need a plan that fits your life.
Most parents start with one question. That's enough.
We work with new parents and growing families across Scottsdale, Phoenix, and the East Valley and nationally who want a clearer financial plan around equity compensation, taxes, cash flow, and family priorities.