Financial planning
Flat fee. Published. Buy it now.
No hourly, no retainer, and no discovery call before you are allowed to see a price. Here is exactly what lands in your hands for each one.
One thing before you buy. If I manage your investments, planning is already included in the 1%. These flat fees are for people who want the plan and will run it themselves.
Foundations
$750 one time
For a clear starting plan around one or two priorities.
- Discovery meeting plus a plan-delivery meeting
- Cash flow and emergency fund review
- Debt pay-down vs invest analysis, ranked by your actual rates
- Retirement savings starting roadmap
- Written one-page action plan you keep
- 30 days of email follow-up
Most chosen
Household
$2,000 one time
For a full picture, usually a couple with a few moving parts.
- Four meetings in all: discovery, two working sessions, plan delivery
- Full household cash flow and net worth build-out
- Goal planning: retirement, major purchases, education
- Insurance needs review, life and disability gaps
- Tax-aware account strategy, Roth vs traditional and contribution order
- Written household plan you keep, plus everything in Foundations
- 60 days of email follow-up
Household + Implementation
$3,000 one time
For help executing, not just a document.
- Everything in Household, plus
- Guided implementation support
- Account setup walkthroughs
- Beneficiary and titling review
- Up to three additional working sessions
- You execute every account change; I guide, never take control
Paying starts the engagement. The written planning agreement follows by email the same day for signature, and the discovery meeting is part of the work rather than a sales call you have to pass first.
Every tier is a one-time engagement completed within six months; it is not a subscription. The flat fee is agreed in writing before any work begins. If we stop early, any unearned prepaid portion is returned. Insurance is optional and never required through the firm. Planning is analysis and education; there are no performance promises, and investing involves risk including loss of principal. What is not included, in any tier: tax preparation, legal documents, trade execution, and ongoing investment management. Management is a separate engagement at 1% per year of assets under management, and it includes planning, so these flat fees apply only when planning is bought on its own. I will tell you plainly if you do not need management.
Not sure which one?
Most households land on Household. If you only have one or two questions, Foundations is enough. If in doubt, ask me and I will tell you the cheaper answer when it is the right one.
Before you buy
Four questions, answered before checkout.
Which plan should I pick?
Most households land on Household at $2,000. If you have one or two specific questions, Foundations at $750 is enough. If you want help actually opening accounts and making the changes, Household + Implementation at $3,000 adds guided execution. If you are unsure, text me which one and I will tell you the cheaper answer when it is the right one.
Is planning included if you manage my investments?
Yes. If I manage your assets, planning is already part of the 1% and you do not buy a flat-fee plan on top. These prices are for people who want the plan and will run it themselves.
What is not included in a flat-fee plan?
Tax preparation, legal documents, trade execution, and ongoing investment management. Insurance is never required, and when it is placed through the firm a carrier commission is paid and disclosed.
What if we stop early?
Every plan is a one-time engagement completed within six months. The fee is agreed in writing before any work begins, and if we stop early the unearned prepaid portion is returned.