I became a flat-fee financial advisor because I wanted to provide truly objective financial advice, free from the conflicts of interest that often exist in commission-based and asset-under-management (AUM) models. In my previous positions, I saw clients and prospects being given bad information or sold financial products that were unethical, misleading, or simply not in their best interest—all because of how advisors were incentivized to make a sale rather than provide sound guidance. That experience reinforced my commitment to an advice-only, flat-fee model, where every recommendation I make is based on what’s best for the client, not what generates the highest commission or fee. Transparency, integrity, and putting clients first are the core principles that drive my approach to financial planning.

Hourly fees are charged at the end of an engagement. If you are unhappy with the end result, you can simply let me know and you won’t pay anything.

Monthly fees are charged on the first of the month and can be canceled anytime. Clients that return will need to be onboarded again and will be charged the higher first month rate.     

Most financial advisors charge a assets under management (AUM) fee. This is usually somewhere around 1%. To put this into perspective, that means someone with a $1,000,000.00 portfolio will pay $10,000.00 in AUM fees (Often for subpar performance).

I have absolutely no minimum. The beauty of the flat fee or hourly model is that I can help anyone regardless of their assets. 

You can keep your assets anywhere you like. While I will give you investment advice, you do not need to transfer any of your accounts under my management. 

The first meeting will be the “Get to Know YOU meeting” There is no charge for this meeting. I just want to get to know you, get a feel for what your concerns/goals are, and if we’d be a good fit to work together. 

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My advice-only financial planning services cost $6,000 a year, or $500 per month.

‍This includes:

• Ongoing meetings and unlimited support

• Covers tax planning, investments, and more

• Best for clients wanting continuous partnership

‍Please note that children and grandchildren of current clients receive full financial planning at no additional cost.

‍An advice-only planner calculates the fee based upon the likely amount of time and resources required to serve the client. The fee is decided prior to services being rendered, and is stated clearly in a dollar amount in your contract.

‍Here’s what my advice only financial planning services do not include:

• There’s no commissions.

• No products sold for a commission.

• No private REITs being sold, no insurance policies being sold for a commission.

• There’s no AUM fee, no percentages.

‍Just one single, flat fee, made clear in dollars.

‍Period.

‍Isn’t that beautiful?

‍For more information on my ongoing advice only planning services, see the Fees page.

An advice-only financial planner:

• Does not manage assets

• Does not have discretion over client assets

• Does not manage AUM

• Does not take custody of client assets

• Does not charge a fee for managing assets

• Does not implement investment recommendations on the client’s behalf

• Provides financial planning services only

“Great – but who manages my portfolio under the advice only planning model?”, you may ask. “How are you going to make sure that my portfolio is invested correctly?”

I do not take control of client assets, or trade them. Instead, I provide my clients with an analysis of their risk tolerance and and create an investment plan with specific tickers. I teach you how to make the trades, and will even screen share with you in order to help you implement my recommendations on your own.

Our services are focused on managing your overall wealth, not just making stock trades and “setting it and forgetting it.” Being an advice only planner puts the emphasis on the overall plan, the strategy, the roadmap. It’s delivered through financial planning, retirement planning, tax planning, and working with your attorney or CPA to get it all done, not just making trades and stuffing your money intro products.

For a one-time advice-only financial planning engagement, plans start at $2,800 and increase based on complexity.  You get three to four meetings over three months to discuss your plan.

People typically choose the one-time advice-only planning service if they need a focused plan for a particular life event (buying a home, selling a business, etc.)

I also offer a one-time portfolio check up for $1,500. This is a detailed, bound report with personalized findings and actionable recommendations, including a full Morningstar Portfolio Analysis.

‍For more information on my one-time advice only planning services, see the Fees page.

‍I chose to be an Advice Only planner because I believe the rendering of financial planning, not the implementation of it, is where the real value of a financial advisor lies.

‍ So to answer your question directly - why work with an advice-only financial planner? There are many benefits.

• ‍An advice-only planner is a fiduciary. Fiduciaries do not charge commissions. They follow the highest standard of care in the industry and must provide advice objectively, always putting the client’s interest before their own. Read more about the fiduciary standard if you’d like to learn more.

• In some, but not all, cases the fee can be considerably less than what an AUM fee or commission would amount to. Usually this is true in the case of larger portfolios (and it is generally not true for smaller portfolios). If you were paying 1% to an advisor managing $5,000,000 of your money, you’d pay $50,000 a year in AUM fees. Most advice only planners are not charging $50,000 a year for services.

• It is better for the client to have clarity about what these services cost, given that financial advisor fees can be one of the household’s largest expenses. AUM or commissions can vary; a fixed fee is predictable and more manageable from a cash flow standpoint.

• Putting the emphasis on planning, rather than products, shifts the focus of our work to you, not me or the market or the economy or how much you have in your portfolio. It puts your financial future back into the realm of what you can control. Our work will be focused on creating a strategy that maximizes the things you have control over and the decisions you make, even the psychology and behaviors that dictate these outcomes. We felt that this approach to financial planning – putting it at the center of what we do rather than an “add on” or an afterthought - was better for our clients.

‍And there you go – there’s our take on the benefits of working with an advice only planner!‍ ‍