What Flat-Fee Financial Planning Costs, and What's Included

Flat-fee financial planning means you pay a set dollar amount for the planning work, written into your planning agreement. At Sporos, every plan is one flat monthly fee, set by your situation. Your income and the size of your accounts don't change your price.

Financial Planning: $100, $200 or $300 a Month

For people still building wealth. There's no setup fee, and you keep managing your own investments.

Plan	Who it fits	Monthly fee	Meetings
Foundations	W-2 income and a simple tax year	$100	2 a year
Tax Strategy	High earners: sales, healthcare and tech	$200	3 a year
Complex	Business owners, executives, private equity and real estate	$300	4 a year

Most clients start on Tax Strategy. It adds tax projections and year-end moves, withholding on bonuses and equity pay, workplace plans and backdoor Roth, restricted stock and stock purchase plans, and charitable giving. If equity pay is your main question, see RSU tax planning.

Retirement Planning: $200, $300 or $400 a Month

For families within 15 years of retirement, or retired. Each plan starts with a $1,000 plan build: your full retirement income plan, delivered at your 90-day meeting.

Plan	Who it fits	Monthly fee
Retirement Check	Within 15 years and still saving	$200
Income Plan	Within 5 years, or newly retired	$300
Complex Retirement	Pensions, rental income, a business sale or large accounts	$400

Included in Every Plan

A planning calendar, monthly check-ins, a yearly tax and portfolio review, direct text and email, and a spring fit check.

One-Time Options

• One Decision Plan, from $500: a job offer, a vest, a home purchase or another single decision, answered in writing. Bigger events like a company sale are quoted up front. Credited in full if you start a monthly plan within 60 days.
• One-Time Retirement Plan, $2,000: a complete written retirement plan, with no monthly fee and no assets moved.

How Billing Works

Planning fees are stated as a flat annual dollar amount in your planning agreement and billed monthly by card or bank transfer. Cancel anytime with written notice; unearned fees are refunded.

Planning is not a condition of wealth management, and wealth management is not required to buy planning. If you want the plan carried out for you, wealth management is 1% a year on the first $1M managed, 0.75% on the next $1M and 0.50% above $2M; account minimums apply. See all pricing.

Frequently Asked Questions

How much does flat-fee financial planning cost?

At Sporos, financial planning is one flat monthly fee: Foundations $100, Tax Strategy $200 or Complex $300 a month, with no setup fee. Retirement planning is $200, $300 or $400 a month, each starting with a $1,000 plan build.

Do I have to move my investments?

No. Planning is not a condition of wealth management, and wealth management is not required to buy planning.

Can I cancel?

Yes. Cancel anytime with written notice; unearned fees are refunded.