• Your financial planning fee should reflect the advice and work you receive

    How we're paid

    • We don't sell financial products and we don't accept commissions or third-party compensation
    • We don't charge AUM fees (fees based on the size of your portfolio)
    • You don't need assets for us to manage to work with us
    • You'll know the scope and the fee in advance, in writing, with any additional work authorized by you before it's billed

    How we set our fees

    Many advisors and firms are compensated as a percentage of assets under management. It's a widely used model, and for people who want ongoing investment management it works well. It simply isn't the model we chose for this practice.

    We charge for the work instead, and that takes two forms.

    Initial financial planning is a project with a set fee. We look at your situation, estimate what the work will take, and put the fee and the scope in writing before we start. If it turns out to need more time than we expected, we'll tell you before we go past the estimate, and nothing additional gets billed unless you say go ahead. If it takes less, that unused time stays available to you for the next year, for follow-up meetings, plan reviews, or other planning work at no extra cost.

    An ongoing subscription is an annual fee for having us available through the year. We set it when the agreement starts, based on how much work we think your situation will involve, and your agreement states the time that fee covers. There's a minimum, because being available has a cost whether or not a given year turns out to be busy. If you don't use all of that time, the fee stays the same and the time doesn't carry over. If the work runs past it, we'll tell you before we keep going, and the additional time is billed at our current hourly rate once you approve it. Either way, nothing gets billed beyond your fee without your say-so.

    What both of these have in common is that the fee reflects the work rather than the size of your portfolio. It also means we can work with you if most of what you own sits in a 401(k), a pension, real estate, or a business, where there may be nothing for an adviser to manage.

  • What does it cost to work with us?

    • Initial planning projects carry a fixed fee based on the estimated time your situation requires. Most start at $3,000.
    • Subscription fees are set annually based on the advisory work we expect your situation to require.
    • Work you request beyond an agreed scope is billed at our current hourly rate.
    • After an introductory consultation, we put the scope and the fee in writing so you know what to expect before anything begins.

  • Comprehensive Financial or Retirement Planning

    A comprehensive, planning-first engagement designed to clarify your goals, identify strategies, and create a clear path forward. Comprehensive planning is the foundation for the advice we provide.

    Comprehensive planning may be structured as a standalone project-based engagement or, in some cases, incorporated into an ongoing subscription agreement depending on your situation. Either way, the scope, fee, and time allocation are defined in advance and documented in a written agreement.

    The typical fee ranges between $3,000 - $5,000 for most engagements*

    Ongoing Subscription Planning, Advice, & Investment Guidance

    Ongoing financial planning, advice, and support for individuals and families seeking continued guidance and accountability as their financial situation evolves.

    Ongoing services are provided on a client-initiated basis. We do not continuously monitor accounts or provide proactive investment supervision. Instead, we are available to provide guidance when you request it, whether for planning updates, investment decisions, or changes in your financial situation.

    The typical fee ranges between $2,000 - $5,000 per year for most engagements*

  • * The estimated fee may be higher if you are a business owner, have a highly structured legal estate, own private or illiquid investments or otherwise have complexity in your financial life. Our current hourly rate is $250. Fees and rates on this page are subject to change. The fee that applies to you is the one in your written agreement.

  • Employer Services

    Fees for employer services are negotiated in advance. Depending on the engagement, we charge either a flat project fee or an hourly fee, based on the scope of services, the estimated time required, the complexity of the assignment, the size of the plan, and the nature and frequency of meetings and reports.

  • If you’re ready for advice that’s clear, transparent, and focused entirely on your best interests, let’s talk

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