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Financial advice for idealists, 

dreamers, and skeptics.


Welcome to Livelihood

We believe everyone deserves financial peace of mind, even those who are more concerned with living a joyful life or improving the world than the size of their bank account. Activists, idealists, creatives, and others that lead with their passions are welcome here.  We promise to provide useful, unbiased financial advice without judgment.  


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At Livelihood, our mission is simple. 

We want people to live joyful and financially secure lives.


 

Simple & Transparent

Our business is to provide you with excellent financial advice.  We don't get paid commission from an insurance company or brokerage firm. We have no sales quotas to meet. In fact, we don't sell any financial products or insurance policies at all. In the industry, we are called a fee-only fiduciary, meaning we are required to act in your best interest, not ours. Isn't that refreshing?

Carey Morgan Photo

Carey Morgan

Partner, Financial Advisor
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Carey Morgan

Partner, Financial Advisor


Hi there.  I'm Carey, a financial advisor and philanthropic consultant with a long-time passion for understanding how using money well can fundamentally reshape the world.  I really enjoy working with people who have dedicated their lives to making their world a better place through service, art, education, and philanthropy.  These are all areas I know well. I started my career managing rock bands and helping musicians sort out their own money. The personal finance bug bit me and I joined a huge investment firm to learn that side of things. While the big corporate life wasn't the best fit for me,  I also became really interested in how our every day spending and investment choices can really impact the community.  So I changed gears to the nonprofit sector, leading a a hunger nonprofit, launching a citywide financial counseling program, and directing a private foundation focused on economic empowerment for women.  One of the things I get most excited about is the potential for change through mission-aligned  and socially responsible investing.  In my humble opinion, doing good and doing well are not mutually exclusive.

I live in Mt. Airy with my husband and my crazy cats, Jack and Grover. I can often be found noodling around the garden, traveling to exotic locales, or reading a mystery novel.

I have a BA in History from Georgetown and a Masters in Sustainable Development from the School for International Training in Vermont.  

Photo credit: Matthew Hamilton

Megan Kiesel,  CFP ®, MSW Photo

Megan Kiesel, CFP ®, MSW

Partner, Financial Advisor
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Megan Kiesel, CFP ®

Partner, Financial Advisor


Hi, I’m Megan.  I've spent the last decade helping people achieve financial peace of mind. In my career, I’ve developed financial literacy programs to help families save money and pay off debt, worked in community-based tax sites, created personalized solutions to help families understand college funding and student loans, and linked consumers to safe and affordable financial products to better manage their cash flow.  I’ve had the pleasure of doing most of this while working for great nonprofit organizations that served a wide swath of Philadelphians.  I love helping people get on the right financial path.

Of course there is a lot more to it than dollars and cents.  I believe that the seemingly mundane decisions we make about the money that passes through our lives each day can have a profound impact on our lives and our world.  I help people become more mindful about those decisions and make plans that live up to their values, goals, and ideals.

I am a CERTIFIED FINANCIAL PLANNERTM professional with a Certificate in Financial Planning from Boston University and a Masters in Social Work from Temple University. I live in the Passyunk Square neighborhood of South Philadelphia with my quirky husband, clever daughter, and cheerful son.  You can find me gardening poorly or wandering Passyunk Avenue with delight on my favorite days. 

Photo credit: Matthew Hamilton

Services


At Livelihood, we want to redirect money toward joyful lives, stable futures, and social impact.  


Join our movement to use money for good.

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For Philanthropy

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For Philanthropy


At Livelihood we have a combined 20 years of experience in nonprofit and foundation leadership and management.

We are uniquely situated to help private foundations and charitably inclined individuals use their resources to make true social impact. Bring us on your team to advise you on establishing your goals and values around giving, finding the most appropriate charitable vehicle, identifying impact investing opportunities, crafting investment policy statements, aligning your investments to your values, designing grant-making strategies, and measuring impact.

To discuss working with Livelihood, schedule a phone call or send us an email.

Photo Credit:  Tim Marshall

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For Employers

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For Employers


You work hard to design employee benefit packages that truly supports the well-being of your workforce.

Often employees don’t understand the value of the benefits offered or how they fit into their unique financial situation. In addition, there many financial issues, such as student loans and other overwhelming debt, that can lead to distraction or turnover in your workforce. Livelihood offers seminars and one-on-one counseling delivered through employers to improve employee well-being.

To discuss working with Livelihood, schedule a phone call or send us an email.

Photo credit:  CoWomen

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For Families & Individuals

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For Individuals & Families



A Happy Life and a Better World

At Livelihood, our goal is help you use your time, money, and talents to make your life and the world better.  Many of our clients are balancing passion-driven work with a full plate of financial and family responsibilities and need some help sorting it all out.  Using our unique perspective, values-based approach, and financial expertise, we can help you direct your resources to make your life more joyful, your future more stable, and your passions more central to your life.


Here are a few things you should know about us.


1.

We don't care how much money you make, how much debt you have, or how tense things have become with your partner when you discuss money. You won't find any judgment here.


2.

We don’t believe that handing out $3,000 financial plans in big binders changes anything about anyone’s finances.  We believe that partnering with our clients over months and years makes financial planning more effective and more affordable.  Trust us, that binder won’t help you when your student loan payments suddenly increase or you are considering a career change.  But having Livelihood by your side will make all the difference. 


3.

At Livelihood we also know that sometimes just knowing what to do isn’t enough.  We dig deep on your values to help you make financial decisions that reflect your ideal life and world.  We also offer financial coaching to support people who want accountability or a new relationship with their money.  Your money should follow your values, not the other way around.





Service and Fees


Packages:  

Most clients benefit from a deep dive on several aspects of personal finance, such as cashflow planning, debt strategies (oh, those student loans!), and retirement projections.  We can offer a package that will provide you with a robust plan and ongoing support delivered over several months for a predictable price. Our packages range in price from $900-$2,500 and usually require a $400 payment to start with the remainder of the cost billed over several months.   For example, a $1,000 package would require a $400 down payment plus three monthly payments of $200.


Hourly:

If you have a situation that does not fit neatly into a package, we can work with you on an hourly basis.  We will customize our work to your unique needs and timeframe.  We also charge hourly for stand alone financial coaching services.  We charge $110/hour.


Retainer:

For clients who see the value of Livelihood after completing a package, we can continue to provide services on a retainer basis starting at $150/month and increasing with the complexity or time required.

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Getting Started is Easy


To schedule a complementary

Q&A session, click here.


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