Who we serve · Families

For the Ones Who Count on You.

College, childcare, the mortgage, your parents, your future. One plan that holds it all together.

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Who this is for

Built for the Years When Everything Happens at Once.

Careers moving, kids growing, parents aging, a house to run. Most families we work with are doing well and still feel a step behind, because no one has ever looked at the whole picture in one sitting. That is where we start.

  • Two careers, a mortgage, and childcare competing for the same paycheck
  • A 529 you opened once, or keep meaning to open
  • Old 401(k)s and insurance policies scattered across employers and carriers
  • A will you have talked about for years, usually in the car
  • Parents who are starting to need help
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What a Family Plan Covers.

One coordinated plan, built around the people who count on you and reviewed as they grow.

Cash Flow & Savings

A monthly system that pays the bills, funds the goals, and saves without relying on willpower, built around two incomes and real life.

College & Retirement, Together

Education funding weighed alongside your own retirement, with the right accounts for your situation and a clear order of priority.

Protection

Life and disability coverage sized to what your family would actually need, policies reviewed as income and family change, and every cost shown before anything is placed.

Wills, Guardianship & Beneficiaries

The estate basics every parent needs, designed with your plan and drafted by your estate attorney, with beneficiaries audited across every account.

Tax Planning for Two Incomes

Withholding, dependent care and education credits, and year-end moves coordinated with your CPA so April is a confirmation, not a surprise.

Investing for Several Goals

Low-cost, tax-aware portfolios matched to each goal's timeline, so the down payment and the retirement fund are not taking the same risk.

College and Retirement, Funded Together.

Most families we meet are saving for college and for retirement at the same time, without a clear rule for which comes first. Tuition can be paid for several ways over time. Retirement can only be funded in advance. We help you set that order deliberately, choose the right accounts for each, and automate both so the plan runs without a monthly debate.

The Foundations, in Order.

Financial Planning

Cash flow and savings that run on a system, not willpower.

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Insurance & Protection

Coverage right-sized to help keep one bad day from undoing years of work.

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Estate & Legacy

Estate strategy coordinated with your attorney, and kept current.

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Questions Families Ask Us.

When should we start saving for college?

Once your own retirement savings and an emergency reserve are on track. Starting early helps, but the account you use and the amount you set aside depend on your income, your state, and how many children you are planning for. We work through that with you rather than defaulting to one product.

How much life insurance do we actually need?

Enough to replace the income and cover the obligations your family would face without you, for as long as they would need it, and no more. We size it from your real numbers, review what you already have through work, and show every cost before anything is placed.

Do we need a will or a trust?

Every parent needs a will that names guardians, along with powers of attorney and current beneficiaries. Whether a trust adds value depends on your situation. We design the structure with your full plan in view; your estate attorney drafts the documents.

Do you work with both of us?

Yes, and we prefer it. Family plans work when both partners understand them, so meetings include both of you, and the plan is written in plain English either of you could pick up and follow.

How is Attend paid?

Attend is fee-based. Financial planning is a flat fee and investment management is a tiered percentage of the assets we manage, both held to a fiduciary standard. When insurance is implemented through us, the policy pays a commission, which we disclose in writing before anything is placed.

Tony Colunga at home with his family

Why we do this

Family Comes First. It Is the Whole Reason Attend Exists.

Ask Tony Colunga why he left two decades at large firms to start Attend, and the answer is not a business plan. It is his family. He built the firm so he could be present for the people he loves, and so his clients could do the same: at the dinner table, at the milestones, without a financial worry list running in the background.

It shapes how we work. We plan around your actual household, we welcome both partners and, when you are ready, your kids and your parents into the conversation, and we treat your family's plan the way Tony treats his own. When we say we will attend to you, we mean all of you.

Cover of The Family Financial Safety Kit

The Family Financial Safety Kit.

Twelve documents and decisions that protect the people who count on you, in the order that matters most.

  • The paperwork that protects people, ranked
  • Why retirement comes before tuition, and how to fund both
  • The one-hour yearly ritual that keeps it all current
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Let Us Attend to You.

Start with a complimentary, no-pressure conversation. Ask whatever is on your mind and walk away with a straight answer.

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