Flat-Fee Financial Planning
Get the same senior, fiduciary planning our managed clients receive, as a one-time engagement. Retirement income, taxes, investments, and estate basics in one coordinated plan. No assets to move, no ongoing commitment.
Flat-fee planning is built for people who want expert, fiduciary guidance without handing over their investments. If one of these sounds like you, you are in the right place.
You are a confident do-it-yourself investor. You do not want anyone taking over your accounts. You want a second set of expert eyes and a plan you can execute yourself.
Our ongoing management is built for households at $500,000 and up. If you are still building toward that, a one-time plan gives you the same senior guidance now, without waiting.
A retirement date, an equity event, a business sale, an inheritance. You need a coordinated plan for this moment, not necessarily a lifelong management relationship.
One flat fee, one coordinated plan across every part of your financial life. The same depth our managed clients receive.
A clear projection of whether your savings will last, how much you can safely spend, and where your income will come from year by year in retirement.
Roth conversion analysis, withdrawal sequencing, and the timing moves that can save you tens of thousands in taxes over your lifetime.
An independent, fiduciary review of your current portfolio: your allocation, risk, costs, and whether it actually matches the goals you are planning around.
A coordination pass on your beneficiaries, essential estate documents, and insurance coverage, so the pieces work together and nothing important falls through the cracks.
Your complete financial plan is a one-time flat fee of $3,000, with no ongoing obligation. If you later decide to have us manage your investments, we credit the full $3,000 toward your advisory fee. In other words, the planning work costs you nothing if you continue with us, and there is zero pressure to. You walk away with the plan either way.
Our Philosophy
Because this is a flat-fee engagement, there is nothing to sell you and no assets we need to gather. You pay for advice, and advice is all you get. That single fact changes everything about how the plan is built.
We start with your life, not your balance sheet. What do you want this money to actually do? Then we build the plan to get you there, stress-tested against taxes, market downturns, healthcare costs, and the curveballs real life throws.
As your fiduciary, we are legally obligated to act in your best interest. No sales quotas. No corporate pressure. Just a father-son team focused entirely on your family's future.
A clear path from first call to a plan you can act on.
We start with a free 30-minute conversation to understand your goals, concerns, and current financial picture. Just an honest look at where you stand.
We build your personalized plan covering income, taxes, investments, and estate basics, then walk you through it together so you understand every recommendation and the reasoning behind it.
You leave with a clear, written plan you can act on yourself. If you would rather we handle it, we can manage your investments going forward and credit your $3,000 toward that. Either way, the plan is yours.
Straight answers on cost, scope, and how the one-time plan works.
A complete plan is a flat $3,000, one time. That single fee covers everything: retirement and income projections, tax strategy, an investment review, and your estate and insurance basics. There are no add-ons and no hourly surprises. If you later have us manage your investments, we credit the full $3,000 toward your advisory fee.
A coordinated plan across four areas: retirement and income projections, tax strategy (including Roth conversion analysis and withdrawal sequencing), an independent review of your current investments, and a pass on your estate and insurance basics. You receive clear written recommendations you can act on yourself.
No. Flat-fee planning is advice only. You keep your accounts exactly where they are and execute the plan yourself. If you would prefer we manage things for you, that option is open and your $3,000 is credited toward it, but there is no obligation and no pressure either way.
There is no asset minimum for the one-time plan. Our ongoing investment management starts at $500,000, but flat-fee planning is open to anyone who wants senior, fiduciary guidance, including those still building toward that level or who simply prefer to manage their own money.
Yes. The discovery call is a free 30-minute conversation. We learn about your situation and what you want the plan to answer, then give you an honest read on whether the flat-fee plan is right for you. The $3,000 only applies once you decide to move forward.
Take our free 3-minute quiz. Answer 7 questions and get a personalized retirement readiness score with specific next steps.
Take the Retirement Readiness QuizFree. No login required. Results in under 3 minutes.
Book a free 30-minute call. We will learn about your situation, and if the flat-fee plan is a fit, walk you through exactly what it covers. The $3,000 only applies if you decide to move forward.
Or call us directly: (949) 729-9994