Financial advice for a flat fee

Smart. Simple. Transparent.

Option 1

Ongoing Financial Planning

Ongoing Financial Planning is designed to simplify your financial life, allowing you to focus on your real life. I’ll cover all the bases, starting with goals and values, then shift to cash flow, investments, insurance, taxes, and much more. The ongoing aspect means you’ll have unlimited support and regular check-ins to make sure you’re on the right track and not wasting time or money.

  • Financial planning is all about aligning your values with your use of capital. Our first meeting will focus on uncovering the things that are most important to you, exploring your dreams and fears about money, and crafting a vision of your ideal life.

    Once we know what drives you, we’ll focus on the resources you have available. The next couple of meetings will be spent compiling financial data to build your personalized financial plan, which includes a list of action items to help you achieve your goals.

    We’re going to accomplish a ton in the first year, but it doesn’t stop there. We’ll set a periodic meeting schedule to stay in touch, and tweak the plan as necessary, but we’ll also have impromptu meetings as pressing issues come up. With Ongoing Financial Planning, you’ll always have someone in your corner.

  • Ongoing Financial Planning fees start at $4,800 per year. Prices are per household and most clients split it up into monthly payments.

    That’s it. Smart, simple, and transparent.

Option 2

Financial Check-in

A Financial Check-in is designed to provide an in-depth assessment without the commitment, perfect for DIYers, recent grads, or busy professionals. I’ll review where you are today, where you want to be tomorrow, and create a plan for how to get there.

  • You probably didn’t wake up one day and just decide to hire a financial planner. There was most likely a pressing issue (maybe a new job or a new partner or a new baby) that prompted a closer look. This is where we’ll start.

    After we’ve taken care of the urgent items, we’ll explore all the different paths you can take. Then we’ll develop and implement a system that gives you the best odds of getting to your chosen destination.

    Equipped with your new financial plan, you'll know exactly where to focus and be able enjoy today knowing there’s a plan for tomorrow.

  • A Financial Check-in costs $3,500.

    No hidden charges. No upsells.

Investment management done right

  • Risk

    Aligning the investment portfolio with your risk tolerance and timeline for needing the funds

  • Perspective

    Understanding that time in the market is much more important than timing the market

  • (Al)location

    Building a diversified portfolio (allocation) and holding assets in the right accounts (location) go hand-in-hand

  • Expenses

    Utilizing cost-efficient funds to construct portfolios; commissions and load fees are a non-starter

  • Taxes

    Keeping the IRS in mind at every decision point, aiming to maximize income while minimizing the tax bill

  • Discipline

    Helping you make objective decisions instead of getting caught up in a roller coaster of emotions

A flat, transparent fee is the best way for young people to pay for financial advice. Here’s why:

Flat fees are Fair

Most advisors get paid based on a percentage of clients’ assets, and won’t take a meeting unless you have a net worth of $500,000 or more. Otherwise, getting professional advice is not an option. The logical conclusion is to change the pricing model.

Flat fees are Fundamental

The key to being a true fiduciary is to limit conflicts of interest. The clients’ goals are priority numero uno: no ulterior motives to put money into complicated investment portfolios and zero incentive to sell inappropriate investment or insurance products.

Flat fees are Familiar

Young people already pay for most things on a monthly basis (internet, phone, mortgage, car, insurance, gym, Netflix, etc.), adding another one is easy to understand. Plus, subscriptions are recurring (easy to track) and predictable (easy to plan for).

Flat fees are the Future

The people that need financial advice are getting younger and savvier. They want a high-impact level of service from an advisor that understand them. And they want all this at a price that makes sense. The demands have changed. The industry has to change, too.