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Dream Financial Planning

Updated today

Client assets under management

$5,200,000

Clients

20

0% high-net worth

Advisors

1

of 1 employees

Firm type

Independent

1 advisor

Clients per advisor

20

Low

Average account size

$260,000

About

Dream Financial Planning provides investment management and financial planning services to individual clients, supporting needs such as retirement planning, college savings, cash-flow and estate planning. The firm manages roughly $5.2 million in client assets across about 20 client relationships and offers services that range from project-based and hourly planning to an ongoing comprehensive planning subscription and a Dream Builder program that includes a financial‑monitoring app and group coaching calls.

The adviser primarily practices passive investment management using index mutual funds and ETFs, alongside fundamental analysis for security selection, and may recommend third‑party managers or TAMPs when appropriate, with those managers reviewed at least annually. Portfolios are constructed and managed consistent with each client’s investment policy statement and the firm operates under a stated fiduciary code of ethics.

Compared with many peers, DFP is a wrap‑fee program sponsor, offering a packaged investment management program that also incorporates planning and custodial commissions—an arrangement uncommon among independent advisers. The firm also places emphasis on client education through seminars and speaking engagements and provides in‑house tax preparation and filing as part of its comprehensive planning service, combining advisory, education, and implementation support in one offering.

Client services

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops

Expertise

General retirement planning Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance Income planning

Fee options

Fixed

Fixed Fee Project-Based Financial Planning: $4,800-$6,500; Estate Planning: $900-$1,600 individual, $1,400-$2,100 couple

Percentage

$0 - $100,000: 2.00% $100,001 - $300,000: 1.50% $300,001 - $600,000: 1.00% $600,001 - $1,000,000: 0.80% $1,000,001 - $5,000,000: 0.60% $5,000,001+: Negotiable

Project-based

$400 per hour for Financial Planning

Subscriptions

Comprehensive Financial Planning ongoing monthly fees $400-$1,000 (individuals), $600-$1,000 (couples); Dream Builder Program $99/month individuals, $149/month couples

Other

Fee-only: Comprehensive Financial Planning: $999 upfront for individuals, $1,499 upfront for couples; ongoing monthly fees $400-$1,000 for individuals, $600-$1,000 for couples; Financial Planning Hourly Fee: $400/hour; Fixed Fee Project-Based Financial Planning: $4,800-$6,500; Dream Builder Program: $99/month for individuals, $149/month for couples; Estate Planning: $900-$1,600 for individuals, $1,400-$2,100 for couples; Educational Seminars and Speaking Engagements: Free to $1,000 per seminar or up to $50 per participant.

Main office location

Dream Financial Planning

205 Van Buren St, Suite 120

Herndon VA 20170, United States

Number of offices

1

Most active in

District of Columbia · Florida · Texas · Virginia

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Lamar W

CFP®

Herndon, VA

Dream Financial Planning

Lamar Watson, a CERTIFIED FINANCIAL PLANNER™ professional, founded Dream Financial Planning to serve the needs of young professionals and minorities who typically don’t have access to fee-only and fiduciary financial planning. 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. Less than 30% of all CFPs nationwide are in their 20s and 30s. I use The DREAM Financial Planning Process ™ to help my clients save, grow, and protect their wealth. We operate as a virtual firm and offer evening and weekend meetings for our client’s convenience. Ask about our unique pricing structure that starts at $100 per month for young professionals. We don’t have asset minimums for our clients. Less than 3.5% of all the 80,000 Certified Financial Planners (CFPs) in the United States are black or Latino, according to a new survey from the CFP Board Center for Financial Planning. Put another way; there are just 2,700 black or Latino CFPs in America; 1,200 blacks and 1,500 Latinos. 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. Feel free to contact me to schedule a complimentary 30-minute phone call to see if Dream Financial Planning is a good fit for you and your family.

General retirement planning Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance Income planning Doctor or Medical Professional Technology Professional African Americans/Black Gen Y/Millennials (Born 1980-1995)
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