Financial planning, especially when it falls under the service of a CFP® professional, has historically been viewed as something exclusive to the wealthy. I am committed to making financial planning accessible to people of all income levels. That is why my services and fees feature a Two-Tier Sliding Scale, based on income and debt.

I offer two primary services: 1.) A Comprehensive One-Time Financial Plan; and 2.) Comprehensive Ongoing Financial Planning. Both services include the development of a customized financial plan, tailored to your concerns. Typically completed across 4-6 meetings over the course of 3-4 months, I will work alongside you and other experts to help you identify & prioritize your goals and values. After sufficient information has been gathered, I will work with you to implement any recommendations and help you achieve the goals we identified in accordance with your values.

All fees for services are disclosed in detail in Item 5 of the ADV Part 2A. For a single page reference, click: Two-Tier Sliding Scale

As of 12/19/2025, Count Your Beans Financial Planning, LLC and James J. Sias, CFP® are not presently licensed as an investment adviser in the State of California . An application for a certificate as an investment adviser has been filed but not yet approved. Until such time as the investment adviser certificate is issued, Count Your Beans Financial Planning and James J. Sias, CFP® may not provide investment advisory services to any new clients and may not charge or collect any fees from existing clients.