Fewer than 5% of all advisors charge flat fees. We have chosen to be part of that 5% because:
- Why would we charge you more just because you have more money? Or serve you less thoroughly because you have less?
- We cannot "turn off" our fiduciary responsibility for certain services or for any reason. We believe it is our duty to always be a fiduciary for our clients.
- We do not earn commissions or asset-based fees because we don't sell products.
- We believe selling products AND asset-based fee create a conflict of interest, and we don't believe it is equitable to charge more in fees just because your asset balances have increased.
One-Time Planning: Fixed Fee Plans
Designed for clients who aren't ready for on-going services.
We offer a conversation around specific planning topics without comprehensive detailed analysis or implementation. Would you like validation or stress testing of current areas within your plan?
For questions like:
- “Should I keep or sell my rental property?”
- “How should I prioritize my savings/investment contributions?”
- “Is my current portfolio tax-efficient, and is the risk appropriate for my goals?”
Please note these services do not include tax preparation, or on-going investment management. Also, fixed fee services are usually not appropriate for a question like, “Can I retire now?” which requires detailed analysis. If you need or want more help implementing our advice, we can apply this engagement to our on-going services within 60 days from the completion of planning.
These services are billed quarterly with a one-time on-boarding fee. All on-going engagements include: complete tax preparation, discretionary investment management, and in-depth financial planning, at no additional charge. These services include meeting at a minimum annually, and a 48-hour targeted client response time.
From $1,250 to $1,874 per quarter
For example, a retired single school teacher with no kids, social security income, and two investment accounts. Or, a single high income young professional with only W2 income, simple employee benefits, and one outside investment account.
From $1,875 to $3,125 per quarter
For example, a single doctor new home owner interested in owning rentals with W2 wages transitioning to self-employment and needing a solo-401(k), in need of proactive tax planning, and student loan versus investment account trade-offs.
From $3,126 to $5,000 per quarter
For example, a couple with over seven different investment accounts, foreign assets, two rentals, one business interest, equity compensation, retiring in under 10-years with college planning needs.
Factors Driving Complexity*
- Number of years from targeted financial independence
- Rental real estate cashflow, investment and tax analysis
- Multiple workplace benefits reviews, and/or deferred compensation
- Education or gift planning for children or charitable planning
- Business retirement plans, or exit strategy
- Cross-border planning
Tax planning and preparation
- Restating or amending returns
- Business, K1s, trusts, rentals, self-employment income
- Multi-state, income apportionment
- Married filling separately / divorced
- International compliance: FBAR, Foreign Tax Credit, and PFIC
- Oil and gas: working interest versus royalties
- Equity compensation: ESPP, ISOs, NQSOs, and RSUs
- Number of investment accounts
- Portfolio withdrawals or additions
- Low basis stock or concentrated stock
- Foreign assets or pensions
- Workplace retirement accounts
- Private investments
- Client communication frequency, style, and level of detail
- Client engagement in the process
- Level of risk taken by the firm
*This is not meant as an exhaustive list, but a reflection of the common factors of complexity in our client engagements.