Pay only for the time you need - by the hour.

No asset management or subscription fees.

When we say hourly financial planning, we mean hourly. Period. Most fee-only firms collect asset management fees (typically 1% of your assets per year, or $20k per year for a $2M portfolio) as their primary form of compensation for advice.

We chose to be different. The hourly model means you get access to the same high level of service and expert financial advice whether you have a net worth of $1,000 or $100 million.

See the impact of Assets Under Management fees on your lifetime investment returns, and how much you have to gain by going hourly.

We are fee-only, advice-only, fiduciary planners which means we:

Only work for you and in your best interests.
Are proactive in disclosing any conflicts of interest that may impact a client.
Do not accept any referral fees, commissions, or compensation contingent upon the purchase or sale of a financial product or any other hidden fees.

How complex is your financial life?

Estimate your cost

Review the levels below to assess which level best represents your situation to learn more about what is included. The pricing ranges below reflect bundling of service areas since a financial advisor needs the full picture to give the best advice. However, some individual service areas can also be provided on a stand-alone basis.

To get a firm quote, contact us for a no-obligation introductory meeting.

Level 1

$3,500-$7,000 (hourly rate $350/hr)

Low Complexity - usually between 10-20 hours

You might fit this category if:

You would benefit from a detailed cash flow and net worth projection;
You are interested in exploring the timing of financial independence or retirement;
You want to be more proactive in your tax planning;
You have savings in 401(k) and/or IRA accounts;
You might be considering college planning for young children;
You are seeking objective advice about basic insurance coverage and estate design;
You want to build a framework for making financial decisions.

What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

Level 2

$4,200-$8,750 (hourly rate $350/hr)

Low to Moderate Complexity - usually between 12-25 hours

You might fit this category if:

You have the characteristics of level 1 to a more complex degree;
You are established in your career or are approaching retirement;
You seek advice on pre-retirement decisions;
You may have existing insurance policies or estate documents;
You may have received an inheritance or other windfall;
You have accumulated a moderate level of investments.

What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

Level 3

$5,250-$10,500 (hourly rate $350/hr)

Moderate Complexity - usually between 15-30 hours

You might fit this category if:

You have the characteristics of level 2 to a more complex degree;
You are established in your career or approaching retirement;
You seek advice on pre-retirement decisions;
You may have existing insurance policies or estate documents;
You may have received an inheritance or other windfall;
You have accumulated a moderate level of investments.

What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

Level 4

$8,750-$14,000 (hourly rate $350/hr)

Moderate to High Complexity - usually between 25-40 hours

You might fit this category if:

You have the characteristics of level 3 to a more complex degree;
You have multiple sources of compensation;
Stock options or restricted stocks make up an appreciable percentage of your net worth;
You have participated in deferred compensations for several years and have multiple elections;
You are the primary owner of a business that has multiple employees.

What you receive:

This is an in-depth review of your financial situation with advice tailored to you. We complete an analysis based on the service areas that the client requests. We then provide a detailed report that typically includes a cash flow/net worth projection, specific financial planning recommendations and personalized investment advice. Meeting is billed at actual time involved. You graduate into the higher levels based on amount of complexity involved in your situation.

Level 5

$14,000 or more (hourly rate $350/hr)

High Complexity - usually 40 hours or more

You might fit this category if:

You have a highly complex overall financial situation, or have one particularly complex service area;
You have characteristics of level 4 but to a more complex degree;
You have multiple levels of income or are a business owner;
You have sophisticated investments;
You own complicated insurance polices;
You have a large estate.

What you receive:

We may either provide a detailed analysis on all the service areas, or else hourly ongoing financial advice on only one complicated service area. We assist clients in areas such as working through large estates, reviewing complicated insurance policies, advising on small businesses or partnerships, and/or other complex topics as needed.

What are the costs after the initial financial planning process is complete?

Once we have completed the plan, future reviews are often a fraction of the initial cost. Have a five-minute question, you pay for five minutes. Need to discuss employment benefits for one hour, and your bill will be for one hour. No hidden fees or commissions means that you can be confident that you are only paying for solid financial advice.