At First Light Financial, our mission is to build up and educate our clients through the financial planning process. We strive to provide actionable plans and take the mystery out of their financial lives.

Everyone should have a CFO in their lives.

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Learn more about our firm, our philosophy, our services, and our team.
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About Us

Our vision is to give people access to high quality financial planning and client service. Regardless of their net worth, we aspire to give our clients a guiding light to follow.  

Why Work With
First Light Financial?

One simple reason. Transparency.

We believe that everyone has a path to financial freedom but not every family's path is the same. We do not believe in a one size fits all approach when it comes to your financial plan. We are committed to a planning process that will shed light on the path that our clients need to follow. We believe that trust comes from transparency and honesty. We do not side step the tough conversations but address them with you. As your financial planners we will come alongside you and guide you on the path to your personal success.

$500
MM
Combined assets under management
#1
RANKING
RIA Channel®’s List of Top 100 Wealth Managers

Our Team

With a combined experience of almost 40 years in the financial industry, our expertise brings a unique insight to our industry.
Kris and Mike started working together in 2018. Quickly recognizing the need for personalized financial planning and advanced client service, they created a client experience that leverages each of their individual strengths and industry experience. By focusing on the best interests of their clients, with a shared vision for the highest quality of financial planning and client service, they began to build deep and impactful relationships, and thus founded First Light Financial Planning.

Kristen Money

Partner and Financial Planner

Michael Danjczek

Partner and Financial Planner

Our Clients

We believe the best way to serve our clients is to get to know them and build a strong relationship. After understanding their financial goals, we can then create a comprehensive financial plan tailored to their needs and risk profile.

Business Owners

Business owners have complex financial needs, and must plan for the present and the future, as well as requiring a comprehensive tax strategy.

Retirees

Retirees need to protect their existing assets and ensure their short-term future is secure. We will review and update your financial strategy to maximize your assets.

Young Professionals

As you start your career and begin saving for life's big milestones, we make sure you are set up for financial success both now and in the future.

Testimonials

"The team at First Light has been extremely accommodating and supportive in helping my husband and I plan for military retirement. We were able to meet our goals and navigate Survivor Benefit Plan questions effectively so that we are ready for my next chapter."
"After finding First Light Financial through Ramsey Solutions, we had a great introduction call with Mike and felt very comfortable working with him. We've had nothing but professional experiences with both Mike and Kris. They are very down to earth, knowledgeable and honest; so much so that we've recommended them to all our family and friends."
"Mike & Kristen are both very knowledgeable & really helped us with spend down plans & Social Security time frames. Now we are both confident in our future.  Nice to have a comprehensive plan mapped out. We interviewed multiple planners before landing with Mike’s team. They give us all the time we need to understand & answer all our questions."
"We met Mike D about 4 years ago as we started to plan for our retirement.  I was VERY impressed at how Mike went out of his way to make us feel cared for. He put the time in to bring himself and his team up to speed so he could advise us. The personal relationship and proven track record Mike brings us sure makes it easier."
"After interviewing with several planners, I had the good fortune of meeting Mike in 2019. I felt that he was concerned about not just my investment, but about me and my family. Mike has not just met my expectations, but he far exceeded them. Kris Money is a pleasure to work with as well. She is very pleasant and detailed oriented. I look forward to continuing a professional as well as a friendly relationship with the First Light team."
"My name is John, I am a 34 year old Active Duty member of the military and have never previously worked with a financial plannner to assist me in with my personal financial goals and retirement. I met with dozens of planners and firms in the area and immediately after meeting with Kris and Mike knew they were the perfect fit. Their professionalism, knowledge, and commitment has been beyond expectations. They perfectly structured and tailored my plan to meet my personal financial goals and give a major sense of relief for my future."

    Our Process

    Our well-established process allows us to deeply understand our clients and their goals so we can build a customized financial plan and a deep and successful relationship. Download our Financial Organizer here.

    Vision Meeting

    Understand the client's goals, current financial situation, and determine the right service for the client

    Working Meeting

    Perform a complete review of a client's current financial situation and understand goals and risk tolerance

    Discovery Meeting

    Review client's current assets and allocations to determine if they are aligned with goals and risk tolerance

    Planning Strategy Meeting

    Update client's budget, savings, benefits, and/or insurance, to bring day to day finances in line with goals

    Asset Strategy Meeting

    Create an asset allocation that will bring investments in line with client's planning goals and expectations

    Plan Delivery Meeting

    Review the implemented strategy, deliver the financial plan and set short term goals for the next meeting

    Our Services

    Our more than four decades of experience combined with expertise across a variety of financial disciplines, along with our unique insight and deep understanding of client goals set First Light Financial apart.
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    Financial Planning

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    Comprehensive Asset Management

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    Investment Strategy

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    Retirement & Estate Planning

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    Strategic Tax Planning

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    At First Light Financial we are considered Ramsey SmartVestor Pros. What does it mean to be SmartVestor Pros?

    It means we know the Ramsey Values. We believe it is hard to build wealth when you are in debt. Debt management is important once we execute the debt management plan we can begin to build wealth. We believe that wealth is important but the reason to have wealth is to have the ability to go where life calls you and support the causes that are close to your heart.

    To be a SmartVestor Pro you must have experience. Between Kris and Michael, First Light has more than 40 years of experience. They have led clients through some of the best and worst times in the market. They work with clients to focus the long term plan, knowing there is a light at the end of the tunnel.

    We work to educate and empower our clients. The world of financial planning can be a completely new language, during our time together we teach our clients to understand strategies. We strive to avoid lingo and industry terms, explaining everything in plain English so our clients feel confident in every recommendation.

    Learn More
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    LPL Financial Form CRS
    Michael - Form ADV Part 2B
    GVA Form CRS
    Kris - Form ADV Part 2B

    Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Great Valley Advisor Group, a registered investment advisor. Great Valley Advisor Group and First Light Financial Planning are separate entities from LPL Financial.

    The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.