Helping successful families coordinate investments, taxes, retirement, and life decisions.

Work with a CFP® professional and CPA who help simplify complexity, reduce costly mistakes, and provide clarity around your entire financial life.

Coast - CFP
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Who We Work With

A CFP® professional, A CPA, and Operational Support

Many financial advisors focus primarily on investments. Many accountants focus primarily on taxes. Few firms bring both perspectives together under one roof with a high level of care and service.

At Costello Financial Planning, we believe the best financial decisions happen when investments, taxes, retirement planning, and major life decisions are viewed as part of the same conversation—not separate silos.

Our team combines the expertise of a Certified Financial Planner™ professional and a Certified Public Accountant to help families make more informed decisions across every area of their financial lives.

What Integration Looks Like

Investment Management
Build and manage portfolios designed to support your long-term goals while remaining mindful of tax efficiency.

Proactive Tax Planning
Identify opportunities for Roth conversions, tax-loss harvesting, charitable giving strategies, retirement income planning, and other tax-saving opportunities throughout the year—not just during tax season.

Retirement Planning
Coordinate Social Security, retirement income, withdrawal strategies, and portfolio decisions with a focus on reducing lifetime tax exposure.

Major Financial Decisions
Evaluate business sales, stock options, pensions, real estate decisions, inheritances, and other significant financial events through both a planning and tax lens.

Why It Matters

Financial decisions rarely exist in isolation.

A portfolio decision can affect taxes.

A tax decision can affect retirement.

A retirement decision can affect your estate plan.

When advisors and accountants work independently, important opportunities can be missed.

Our integrated approach helps ensure that your financial, tax, and investment strategies work together toward the same objective: helping you make confident decisions and keep more of what you've earned.

The Result

A more coordinated financial life.

Fewer surprises.

Greater clarity.

And a trusted team helping you navigate the opportunities and challenges that come with building and preserving wealth.

Our Investment Philosophy CFP

Serving Families Across the Country, Rooted in Relationships

Rob Costello, Paul Costello, and Phil Costello grew up in Arlington Heights, IL. Rob has lived in Ann Arbor, Michigan, Bend, Oregon, and Burlington, Vermont. Today, Costello Financial Planning serves clients from coast to coast through a highly personalized virtual planning experience. Most meetings are conducted remotely, with opportunities to meet face-to-face throughout the year.

 

CFP® Professional and CPA Team

Fee-only and Fiduciary

Family-Owned Firm

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Who We Serve

Approaching Retirement

  • Ages 40–65
  • $2M–$5M invested
  • Retirement decisions
  • Tax-efficient withdrawals

Business Owners 

  • High income
  • Equity compensation
  • Business succession
  • Tax planning

High-Net-Worth Families

  • $5M–$20M+
  • Estate planning
  • Multi-generational wealth
  • Charitable giving

Frequently Asked Questions

What makes Costello Financial Planning different?
Who do you typically work with?
Are you a fiduciary?
Do you only manage investments?
What does the first meeting look like?
How often do we meet?
Do I need to move all of my accounts?
What types of clients are the best fit?
How do I get started?

If you do not see dates or times that work with your schedule, feel free to book some time and request additional times. We can usually accomodate with enough notice in advance. We look forward to hearing from you.