Rupa Pereira
Tax-focused hourly and comprehensive planning for young families, women-led households and clients with cross-border ties.
FWJ Planning · Raleigh Durham Triangle, North Carolina
Rupa Pereira is a fee-only financial advisor at FWJ Planning in Raleigh Durham Triangle, North Carolina, who holds the CFP and EA credentials. Rupa charges a subscription, a one-time planning fee and hourly fees (one-time plans from $5,000 and $250 an hour) and focuses on tax planning, cross-border (US / Canada) and retirement planning.
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Specialties
Who they serve
- Cross-border families
- Newcomers (immigration)
About
Rupa Pereira, CFP, EA, is the founder and lead planner of FWJ Planning. She works with young families, women-led households and foreign-born clients, including those with ties outside the U.S., for whom money can feel like a second language. Her engagements are comprehensive or hourly, scoped to each client's needs, with a focus on tax-optimal planning.
Rupa came to the U.S. from across the Atlantic and built a family and a financial base from the ground up while changing careers and states. She has worked as an engineer, programmer, project manager, management consultant and finance director, and holds an MBA. A Certified Student Loan Planner, she has advised more than 100 borrowers, and she also handles tax work for individuals and small business owners.
Her planning covers taxes, cross-border issues, retirement, college, home buying, investments, cash flow and legacy. She calls the work her ikigai and believes planning can cut through the noise around money.
Facts
| Firm | FWJ Planning |
|---|---|
| Based in | Raleigh Durham Triangle, North Carolina |
| Fee model | Subscription · One-time planning fee · Hourly |
| Fees (firm's website) | One-time plans from $5,000 · $250 an hour |
| Fees (Advice-Only Network profile) | Subscription $2,500 a year · One-time plans from $5,000 · From $250 an hour |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Credentials | CFP · EA |
| SEC registration | Investment adviser representative in NC, TX · CRD 7606821 |
| Exams passed | Series 65 (2022) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | fwjplanning.com |
How Rupa's firm compares
- Ongoing planning starts at $2,500 a year, below the North Carolina median of $4,500 for fee-only firms that publish prices.
- A one-time plan starts at $5,000, above the North Carolina median of $1,950 for fee-only firms that publish prices.
- The hourly rate is $250, in line with the North Carolina median of $250 for fee-only firms that publish prices.
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Questions about Rupa
Is Rupa Pereira a fee-only financial advisor?
Yes. Rupa Pereira is listed in the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Rupa's firm.
How does Rupa charge for financial advice?
Rupa charges a subscription, a one-time planning fee and hourly fees.
How much does Rupa charge?
According to FWJ Planning's website, checked October 28, 2026: one-time plans from $5,000; $250 an hour.
Does Rupa work with clients virtually?
Yes. FWJ Planning says on its website that it works with clients remotely.
Where is Rupa Pereira based?
Rupa Pereira is based in Raleigh Durham Triangle, North Carolina.
What does Rupa specialize in?
Rupa's specialties include tax planning, cross-border (US / Canada), retirement planning, international & expat planning, student loans and estate & legacy planning. Rupa works with cross-border families and newcomers (immigration).
What credentials does Rupa Pereira hold?
Rupa Pereira holds the CFP and EA credentials.
Is Rupa Pereira registered with the SEC?
Yes. Rupa Pereira is registered as an investment adviser representative in NC and TX (CRD 7606821), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Rupa Pereira?
Through Rupa's website, fwjplanning.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- Advice-Only Network listing : advice-only practices, no product sales
- FWJ Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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