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Welcome to

Dream Financial Planning

Start planning for your dreams today


Schedule a Complimentary ConsultationTry Our Free Budgeting ToolIs Your Portfolio too Risky?

The Inside Scoop

ON DREAM FINANCIAL PLANNING


Our Pillars Washington, D.C. Dream Financial Planning

Our Pillars


Fee-Only

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Fiduciary

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Independent

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Our Benefits Washington, D.C. Dream Financial Planning

Our Benefits


Objective Advice

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Flexible Engagements

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Collaborative Approach

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As your dedicated partner, we always welcome your input and questions because we value teaming up to create a personalized roadmap for your future — one that’s aligned with your vision.

Who We Work With


Young Professionals in their 20s Washington, D.C. Dream Financial Planning

Young Professionals
in Their 20s

Young Professionals in their 30s Washington, D.C. Dream Financial Planning

Young Professionals
in Their 30s


Established Professionals Washington, D.C. Dream Financial Planning

Established
Professionals

Minorities Washington, D.C. Dream Financial Planning

Minorities


Let's Get Started

Offering Strategic Financial Planning Solutions

Supported by a variety of esteemed alliances and affiliations.


CFB Board Washington, D.C. Dream Financial Planning

TD Ameritrade Washington, D.C. Dream Financial Planning

XY Planning Network Washington, D.C. Dream Financial Planning

NAPFA Washington, D.C. Dream Financial Planning

Fee Only Network Member Washington, D.C. Dream Financial Planning

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Our Background and Beliefs

Lamar Watson, CFP® Photo

Lamar Watson, CFP®

Founder & Financial Planner


Lamar Watson founded Dream Financial Planning with the goal of serving the needs of young professionals and minorities who typically don’t have access to fee-only and fiduciary financial services. Prior to founding Dream, Lamar worked at a wealth management firm in Reston, VA for over a decade. At his most recent firm, he served as the lead research analyst on a team of advisors that managed approximately $2 Billion in assets. He also served as a Vice President and Financial Advisor in the Private Wealth Management division. In this role, he worked with hundreds of clients across the country to help them meet their financial goals. Lamar’s proprietary process, the DREAM Financial Planning Process™, is the culmination of 15+ years of industry insight and experience.

Born in D.C. and a lifelong resident of Virginia, Lamar is a die-hard fan of many Washington D.C. area sports teams, most notably the Washington Redskins. His love for the Redskins all began when his grandfather started taking him to games when he was just eight-years-old. Previously, Lamar served as a volunteer basketball coach for the Chantilly Youth Association and Frederick County Parks and Recreation. In his free time, Lamar enjoys working out, biking on the Washington & Old Dominion Trail and traveling.

At Dream Financial Planning, our services are rooted in several key beliefs that serve as the foundation for everything we do:

Financial planning should help you live the life you ultimately want.

How we help you do this: by guiding you to the decisions that will lead to the acquisition of the all resources needed to accomplish your goals.

Your financial plan should adapt as your needs and goals evolve.

A living, breathing document, your financial plan is meant to mature as your life does. Therefore, we are constantly looking for ways to keep it optimized.


The most important thing we do: truly listen to you and your story.

More than other financial advisors, we enjoy getting to know you on a personal level because your story ultimately drives our recommendations.

Our value stems from our services and the ongoing education we provide.

In addition to providing objective advice, we pride ourselves on simplifying the complex so you can apply our insights to your everyday life.


Secure Your Financial Future

The DREAM Financial Planning Process™

The DREAM Financial Planning Process™

For Young Professionals


Whether you’re managing student loan debt, starting a business or considering buying a house, the DREAM Financial Planning Process™ is tailored to your unique needs and goals as a young professional.

Catered specifically to those who have recently graduated from college or just recently began working at their first full-time job, this process focuses more on short-term goals while you grow and evolve in your personal and professional life.

Does This Sound Like You?


Stephanie Pharmacy Graduate Washington, D.C. Dream Financial Planning

Meet
Stephanie

Pharmacy graduate

Matt and Karen New Family Washington, D.C. Dream Financial Planning

Meet
Matt and Karen

New Family

How It Works


Discovery & Debt

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Real Estate, Recreation & Retirement

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educate & Evaluate

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Action Plan

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Mutual Commitment & Monitoring

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  • Review and agree upon Action Plan. 
  • Schedule quarterly check-ins to ensure Action Plan is being followed. 
  • End of the year benefit elections: Evaluate 401(k) match and employee benefits.
  • Tax season: Ensure you’re taking advantage of tax deductions for student loan repayment, IRA contributions and 529 plans if applicable. 
  • Referral to an accountant if needed. 
  • If we’re managing assets on your behalf, we’ll handle investment selection, portfolio rebalancing and communicate quarterly via email with our thoughts on the market.


Contact Us Today

The DREAM Financial Planning Process™

For Established Professionals


The DREAM Financial Planning Process™ for established professionals differs from our young professional process in that every phase of our approach has a significant focus on retirement planning.

Do you know how much you need to retire? Since many established professionals are approaching retirement age, we wanted to create a more customized way of tending to your financial needs and goals. With this process, we’re able to uncover untapped opportunities, as well as discover gaps in your current strategy that could be preventing you from enjoying a long and fulfilling retirement.

Does This Sound Like You?


Meet
Ryan

Established Professional

What You Can Expect


Discovery & Data Collection

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Retirement & Risk Management

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explore & Enhance

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Action Plan & Asset Allocation

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Mutual Commitment & Monitoring

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Get Retirement Ready

Our Clients Can Expect

  • A Personalized Investment Policy Statement.
  • Customized portfolio using globally diversified, tax-efficient, low-cost investments.
  • On-going monitoring and rebalancing of your investment portfolio.
  • Client assets are held at TD Ameritrade.


We don’t try to beat the market; we try to stop the market from beating us.

We work with our clients to help them take the emotions out of investing. There are several emotional and cognitive biases that negatively affect investor returns. Some of the biases that we think are most common are over confidence bias, confirmation bias and loss aversion.

With over 15 years of experience we’ve developed and refined a process to help our clients combat these biases and improve investment returns. Most importantly, we don’t try to time the market.

Don’t Try to Time the Market

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Managing Risk

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Riskalyze

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Gain Clarity

Into Your Portfolio



What is The Risk Number®?

Your investment risk number is:


Objective

Mathematical

Calculated based on downside risk


When you work with Dream Financial Planning, we’ll craft a customized investment strategy that aligns with your preferred risk tolerance. Our free quiz evaluates a number of factors such as your portfolio size, goals and risk tolerance. In addition to explaining your risk score, the quiz will also provide insight into how to match your allocation with your preferences, as well as the performance you can expect based on your risk score.

Take the Next Step to Investment Success

Get Your Score

Solutions Designed with You in Mind

When it comes to money, there is a wide range of ways you can manage it. For some people, advice here and there is all they need. For others, comprehensive, long-term guidance is the most beneficial route.

That’s why we offer multiple ways to engage with us — because simplifying the complexities of your financial life is what we do best.


What We Offer


Financial Topic


Two-Hour Ask Me Anything

Learn More >

Ongoing Financial Planning

Learn More >

Investment
Management

Learn More >

Homeownership Cost-Benefit Analysis

Retirement Planning


401(k) Analysis

Insurance Planning

Investment Management



Investment Advice


Estate Planning


Tax Planning


Debt Reduction

Student Loans Analysis

Budgeting

Cash Flow Management

Education Planning


View Our Fees

What It Costs

Our Fees


Ongoing Financial Planning


Individuals

$500 initial fee +
$150 - $300/month

Couples and Families

$750 initial fee +
$250 - $500/month


  • No minimum asset under management requirement. 
  • Will include free investment management on assets up to $250,000. 
  • Prices vary based on complexity and will be quoted after initial meeting. 
  • One-time plan or projects: $250/hour with four-hour minimum.


Two-Hour Ask Me Anything


$500

investment Management


Account Value

Annual Fee

$0 - $100,000

1.5%

$100,001 - $300,000

1.25%

$300,001 - $600,000

1%

$600,001 - $2,000,000

0.8%

$2,000,001 - $5,000,000

0.6%

$5,000,001 and Above

Negotiable


*Minimum $50,000 AUM. Includes ongoing financial planning.


Work With Us

Discover Your Risk Score

Frequently Asked Questions

01

Who is Dream Financial Planning?

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Dream Financial Planning is an independent, fee-only financial firm that offers a variety of financial planning services.

02

Who do you help?

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03

What do you offer?

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We offer hourly advice, financial planning and wealth management. Learn more.

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How do I get started?

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You can schedule a free consultation by filling out our contact form.


05

I don’t live in the Washington DC area, can we still work together?

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We are a Fee-Only financial planner located in Reston, VA a suburb of Washington, D.C. serving clients both locally and across the country. You don’t have to live in the Washington, D.C. area for us to work together.

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What is a CFP?

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A CERTIFIED FINANCIAL PLANNER™ professional is an individual that is authorized to use the CFP® certification marks by the CFP Board. CERTIFIED FINANCIAL PLANNER™ professionals (CFP® professionals) must first acquire the knowledge required to deliver professional, competent, and ethical financial planning services to clients. Additionally, they must pass a comprehensive certification examination, complete three years of professional financial planning experience, and adhere to the high standards of ethics and practice outlined in the CFP Board’s Standards of Professional Conduct.

CFP® professionals are also required to complete 30 hours of continuing education every two years, including two hours of ethics education. CFP® professionals providing financial planning services must also abide by a fiduciary standard– meaning that they must in utmost good faith act in the best interest of the client.


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What does Fee-Only mean?

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How can you help me?

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09

I don’t have money to invest, can I still work with you?

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10

I’m really busy, can we meet virtually?

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Our Professional Insights


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Every Financial Plan Begins with a Dream

The things you want out of life should not sit on a shelf and collect dust.


We’re here to breathe life back into your dreams so you can utilize your wealth to its fullest potential. With our support, your finances will no longer hinder your progress, but rather lay the foundation for all your future endeavors. We look forward to working with you!



Dream Financial Planning

Market St, Reston, VA 20190

Phone:

703-689-3964

Email:

lamar@dreamfinancialplanning.com

For Current Clients

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