Financial planning that fits your life, not someone else's template.

Comprehensive, fee-only financial planning for individuals, families, and retirees in Geneva, the Fox River Valley, and beyond.

Tim Carpenter, CFP®
Tim Carpenter, CFP®
Owner, Rhodo Wealth · Certified Financial Planner
Is this a fit?

You're probably a fit if you're…

If one of these sounds like you, we should talk.

Young professional or family

Young professional or family

  • Career on an upward track
  • First home, growing family, equity comp
  • Want a real plan, not just an account
  • Setting the foundation for the next 30 years
Going through a transition

Going through a transition

  • Divorce, inheritance, loss of spouse, business sale, career change
  • Need a decision made fast, not sold to
  • Want clarity over complexity
  • Looking for a fiduciary in your corner
Approaching or in retirement

Approaching or in retirement

  • 5 to 15 years from full retirement (or already there)
  • Eyeing an early retirement and the added complexity it brings
  • Multiple accounts, pensions, Social Security to coordinate
  • Tax-efficient withdrawals and Roth conversions
  • An estate plan that actually works
What I do

Five services. One coordinated plan.

Each service is one part of a single coordinated plan. Nothing works in isolation.

See the full breakdown
Why Rhodochrosite?

A family legacy worth carrying forward.

Rhodo Wealth was inspired by a collection of Rhodochrosite that Tim's grandfather, a career miner in Colorado, gathered throughout his life. These vibrant minerals symbolize the wealth of the earth, the value of hard work, and the careful stewardship of what we hold dear.

That's the lens Rhodo brings to your money: build it, preserve it, transition it with care.

Read the full story
Rhodochrosite mineral with quartz matrix
How it works

Transparent, fee-only, no surprises.

Here's exactly what happens from your first email to your first plan.

1

Intro Call

15 minutes. We see if we're a fit. No pressure, no pitch.

2

Discovery

Deep dive into your situation, goals, accounts, concerns.

3

Your Plan

Custom plan delivered in plain language with clear next steps.

4

Ongoing Partnership

Regular check-ins, plan adjustments, life-event response.

See pricing & how I work →

Ready to see if we're a fit?

15 minutes. No pressure. No pitch. Just a conversation about whether Rhodo is the right partner for you.

Book a 15-Minute Intro Call