Fee-only · Fiduciary · CFP® · CAIA

Money should fund your life. Not replace it.

You’re smart enough to keep it simple.

For people who’d rather understand their money than be sold on it.

Come for the ideas. Stay for the advice.

I’m Genti Cici. I plan around what your money is for, then build the system that keeps it pointed there. No products. No commissions. The only thing I sell is advice. Based in Maryland, meeting by video or in person.

Get my free Napkin Plan Book a free call

The Napkin Plan: a few numbers, two minutes, and what to fix first. It runs in your browser, no signup. The call: 30 minutes by video, no pitch, one clear next step. Or try the 13 free calculators.

This firm started on a napkin, after 2 years, 48 states, and one question that kept coming up: “I have the money. Now what?”

Genti · CFP®, CAIA · fee-only since 2009

Start from where you are

Pick the sentence that sounds like you.

Each one opens a page with straight answers, the free calculators that fit, and what working together would cost.

“I just sold my business.” After the exit “My business is my whole net worth.” Business owners “Half my net worth is one stock.” Stock options and RSUs “Could I stop working?” Enough, and what comes next “We want to live differently.” RV, abroad, homeschool “The market is scaring me.” Staying invested “Who do I trust with my money?” Vetting any advisor “What is all this money actually for?” Purpose first “I just want to know where I stand.” Free plan, two minutes

None of these? Book a free call and tell me yours.

Why StandUP

Three things the industry quietly avoids.

01 · LITERACY FIRST

Every tool here is free, with no email gate.

I grew up in bread lines in communist Albania and watched 1997 wipe out my country’s savings, because nobody had the tools to see it coming.

For you: check my math before you ever pay me.

02 · INTEGRITY BUILT IN

Fee-only. No products, no commissions, no sales targets.

Integrity shouldn’t need a cop. So I removed commissions and product conflicts instead of managing them.

For you: the only thing I can sell you is advice.

03 · LIFE OVER BALANCE

We start with what the money is for.

Money is a tool, not a scoreboard. Accumulation for its own sake wastes it.

For you: a plan pointed at your life, not at a benchmark.

Three ways in

Pick the door that fits today.

Same planning engine behind all three. The difference is how much of me you get.

FREE

Hypothetical example: 8% a year assumed, not guaranteed. Taxes and fees not included.

The Napkin Plan

A dozen numbers, one page, and what to do first, drawn on a napkin and sent to your inbox. About two minutes.

Get my free Napkin Plan

You’ll also get Field Notes, about once a month. Unsubscribe with one click.

Education only. Not investment advice.

STARTER

From $1,500

The Starter Plan

A one-time plan, built with me in a Pit Stop session, in person or by video. $1,500, $3,500 or $7,500, priced by complexity: a business, equity compensation, estate planning. Want us to manage your investments too? We can take that off your plate. See the Starter Plan

Book a free call

RELATIONSHIP

$7,500 a year

Full planning and management

For real complexity: a business, equity, an exit, a family to protect. Planning and investment management in one relationship. Or the asset-based fee, if that is higher.

Book a free call

See every fee, on one page

Investment management on its own is 1% a year on the first $1 million, lower above that. Our Form ADV Part 2A governs.

Who this is for

You might be our kind of person.

Most of the people I work with are founders and business owners (private stock and options included), families who want purpose to lead the money, and families changing how they live. If one of these sounds familiar, keep reading.

You’re the one everyone counts on, and you’d like someone in your corner when the call is big.
It’s gotten too complex to run alone: the business, the taxes, the accounts, the next move. You want a professional you can lean on.
You want a second opinion from someone who earns nothing from what you buy, or you’ve outgrown your advisor.
You built something from nothing, and you’re not sure your money reflects what it cost you.
The spreadsheet is fine. You’re just not sure it’s pointed at the right life.

The fear underneath is almost never the money. It’s making a big call alone and getting it wrong. Chapter 12 of Who’s Steering? is about exactly that. Read the system: The Crisis Script

Probably not a fit if

You want stock tips, or someone to beat the market for you.
You want a product sold to you, not a plan built with you.

The longer story: bread lines, 1997, and a 48-state road trip

48 states · where the question came from

Who you’d be working with

One person. Your side of the table.

I came to the U.S. at seventeen, with an accent and not much money. I spent less than a year inside an insurance company, learned how that machine works, and walked out. I’ve been fee-only since 2009. I’ve taught financial literacy at universities, Goodwill and community events, and I wrote down the systems I use in a book.

When you hire StandUP, you work with me. Not a call center, not a junior associate, not a product desk.

The full story · My public record (IAPD)

Genti

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