Our Flat-Fee Financial Planning Tiers

We offer a transparent, flat-fee pricing structure for our comprehensive financial plans. This approach ensures you know the exact cost upfront, with no hidden fees, based purely on the complexity of your financial situation. The tiers reflect the time, advanced modeling, and specialized expertise required to develop your personalized roadmap.

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Pricing Tiers for Comprehensive Financial Plans

Tier
Complexity Level
Primary Focus
Single Client
Joint/Married Clients
1: Foundation
Low Complexity
Building a solid financial roadmap
$2,000
$3,000
2: Advanced
Medium Complexity
Addressing added complexity like college planning, incentive
compensation, or a rental property.
$3,000
$4,000
3: Executive
High Complexity
Sophisticated planning for high-net-worth clients, business owners,
and complex tax/estate needs.
$6,000
$8,000
Tier
1: Foundation
Complexity Level
Low Complexity
Primary Focus
Building a solid financial roadmap
Single Client
$2,000
Joint/Married Clients
$3,000
Tier
2: Advanced
Complexity Level
Medium Complexity
Primary Focus
Addressing added complexity like college planning, incentive compensation, or a rental property.
Single Client
$3,000
Joint/Married Clients
$4,000
Tier
3: Executive
Complexity Level
High Complexity
Primary Focus
Sophisticated planning for high-net-worth clients, business owners, and complex tax/estate needs.
Single Client
$6,000
Joint/Married Clients
$8,000

Which Tier Is Right For Me?

To help you quickly determine your likely tier, we’ve developed a simple self-assessment worksheet.

Variable Category
Criteria/Variable
Tier 1: Foundation (Low)
Tier 2: Advanced (Medium)
Tier 3: Executive (High)
Income
Source & Type
Exclusively W-2 income (1–2 jobs max).
Self-employment/small business (sole prop, simple K-1s from partnership/S-corp).
Complex business ownership (multiple K-1s, C-corp, or sale/succession planning).
Investments
Accounts & Holdings
Less than 5 total investment accounts; standard holdings.
More than 5 investment accounts, or significant concentration in one public stock.
Significant holdings in illiquid and alternative investments (hedge funds, private equity, venture capital, carried interest).
Real Estate
Property Ownership
Primary residence only.
Owns 1–2 non-primary residential rental properties.
Owns 3+ rental properties, or commercial/syndicated real estate, or significant raw land assets.
Workplace
Compensation
Simple 401(k) and standard benefits.
Incentive compensation: holds or receives RSUs, NQSOs, or ISOs.
Not applicable (typically covered by Business/Assets).
Tax
Complexity
Standard or simple itemized deductions. No K-1s or complex schedules.
Requires advanced tax projection (state moves) or simple Qualified Small Business Stock (QSBS).
Complex flow-through entities, international tax considerations, or significant AMT involvement.
Dependents
Planning Needs
No children or dependent adults.
Has minor children (college planning) or dependent adult(s).
Multi-generational planning needs.
Estate
Documents & Trusts
Basic documents (will, POA, healthcare directive) or none currently.
Not applicable (typically covered in Tier 1 or Tier 3).
Use of irrevocable trusts, charitable trusts, private foundations; complex multi-state planning.
Net Worth
Threshold
Generally less than $1 million net worth.
Generally $1–$5 million net worth.
Generally over $5 million net worth (excluding primary residence).
External Coordination
Professional Team
No coordination needed (or a single CPA).
Coordination with 1–2 external professionals (e.g., CPA, attorney).
Coordination with 3+ external professionals (CPA, estate attorney, business attorney, insurance specialist).
Special
Event/Insurance
Standard debt; simple term life insurance.
Major liquidity event within 12 months, or permanent life insurance requiring deep analysis.
Not applicable (usually falls under assets/estate).
Tier
Tier 1: Foundation (Low)
Income – Source & Type
Exclusively W-2 income (1–2 jobs max).
Investments – Accounts & Holdings
Less than 5 total investment accounts; standard holdings.
Real Estate – Property Ownership
Primary residence only.
Workplace – Compensation
Simple 401(k) and standard benefits.
Tax – Complexity
Standard or simple itemized deductions. No K-1s or complex schedules.
Dependents – Planning Needs
No children or dependent adults.
Estate – Documents & Trusts
Basic documents (will, POA, healthcare directive) or none currently.
Net Worth – Threshold
Generally less than $1 million net worth.
External Coordination – Professional Team
No coordination needed (or a single CPA).
Special – Event/Insurance
Standard debt and simple term life insurance.
Tier
Tier 2: Advanced (Medium)
Income – Source & Type
Self-employment/small business (sole prop, simple K-1s).
Investments – Accounts & Holdings
More than 5 investment accounts, or significant concentration in one stock.
Real Estate – Property Ownership
Owns 1–2 non-primary residential rental properties.
Workplace – Compensation
Incentive compensation (RSUs, NQSOs, ISOs).
Tax – Complexity
Advanced tax projection (state moves) or simple QSBS.
Dependents – Planning Needs
Minor children (college planning) or dependent adult(s).
Estate – Documents & Trusts
Not applicable (falls under Tier 1 or Tier 3).
Net Worth – Threshold
Generally $1–$5 million net worth.
External Coordination – Professional Team
Requires coordination with 1–2 professionals.
Special – Event/Insurance
Major liquidity event or permanent life insurance requiring analysis.
Tier
Tier 3: Executive (High)
Income – Source & Type
Complex business ownership (multiple K-1s, C-corp, succession planning).
Investments – Accounts & Holdings
Significant illiquid/alternative investments.
Real Estate – Property Ownership
Owns 3+ rentals, commercial/syndicated real estate, or raw land.
Workplace – Compensation
Not applicable (covered under business/assets).
Tax – Complexity
Complex flow-through, international tax, or significant AMT involvement.
Dependents – Planning Needs
Multi-generational planning needs.
Estate – Documents & Trusts
Irrevocable trusts, charitable trusts, private foundations, multi-state planning.
Net Worth – Threshold
Generally over $5 million net worth (excluding primary residence).
External Coordination – Professional Team
Requires coordination with 3+ professionals.
Special – Event/Insurance
Not applicable (typically under assets/estate).