Branch & Bloom Financial Planning is a fee-only registered investment advisor based in Menlo Park, California, founded by Deirdre Hegarty in late 2025. The firm focuses exclusively on financial planning and advice, and does not directly manage or custody client investment portfolios. Clients can work with Branch & Bloom Financial Planning on a one-time project basis, through ongoing recurring financial planning engagements, or on an hourly as-needed basis. The firm provides comprehensive guidance across multiple areas of personal finance, including retirement planning, tax strategies, cash flow and debt management, estate planning, employee benefits optimization, college savings, and risk management. Branch & Bloom Financial Planning operates with a commitment to acting in the best interest of clients and does not sell investment products or receive third-party commissions.
Fee Structure
Branch & Bloom Financial Planning charges a recurring fixed fee for ongoing financial planning, which is paid quarterly in advance.
- Annual cost — typically ranges between $3,000 and $10,000, but can be up to $15,000 annually for very complex situations.
This service provides continuous collaboration with a planner to monitor and update your financial plan as your life and goals evolve.
- Project-based financial plan — typically ranges from $2,500 to $8,000, and can go up to $15,000 for highly complex cases, covering a comprehensive evaluation of your financial situation and goals.
- Hourly financial planning — $275 per hour for as-needed guidance on specific financial topics without an ongoing commitment.