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.
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
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 and 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 and 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
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.
Why we do this
Family 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.
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
We'll send the guide plus one useful idea a month. Unsubscribe anytime. No spam, ever.
Common Questions About Families
How much life insurance does a family need?
Enough to replace the earning parent's income for the years the family depends on it, clear the mortgage and other debts, and fund education, minus existing coverage and assets. A stay-at-home parent needs coverage too, to fund childcare and household work.
Is a 529 plan the right way to save for college?
For many families, yes, because of tax-free growth for education. It is not right for everyone. We look at it alongside retirement savings, taxes, and estate goals before recommending how much, if anything, to put in one.
How do we manage money as a dual-income couple?
Most couples do best with one shared system: a joint account for shared bills and goals, agreed contributions, and separate accounts for personal spending. The system matters more than the split.
Do we need a will if we have young children?
Yes. A will is where you name a guardian for minor children. Without one, a Georgia court decides. Attend coordinates with an estate attorney to get the documents in place and the beneficiaries aligned.
What does Attend charge families?
A flat fee for a financial plan, and a tiered percentage of assets if Attend manages investments. There is no account minimum. You know the fee before any work begins.
Can Attend help with aging parents?
Yes. We help families with powers of attorney, long-term care decisions, and coordinating a parent's finances alongside their own retirement and college goals.
Last updated September 21, 2026. Answers are educational and not individualized advice. See our disclosures.
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.
Book Your Complimentary Review