Pricing

Three plans, each a flat annual fee.

Foundations, Core, and Premier. You pay one flat financial planning fee a year. Investment management is billed separately, and Core and Premier waive that fee on your first $1,000,000 and $2,000,000 of managed assets.

Foundations

$6,000 /year

For people who want a full financial plan and will run the investments themselves.

A full plan for retirement and other goals, with annual updates
Cash flow, tax strategy, home buying, education, and estate coordination
4 meetings in year one; 2 a year thereafter
Add investment management anytime on the standard schedule

Core

$9,600 /year

For people who want the plan and the portfolio run together, with taxes handled.

Everything in Foundations, plus:

Investment management, with the fee waived on your first $1,000,000
Federal return, 2 states, up to 3 investment properties, and 2 K-1s
Expanded tax, real estate, education, and trust planning
6 meetings in year one; 4 a year thereafter

Premier

$15,000 /year

For complex situations: multiple states, K-1s, equity-comp filings, and larger portfolios.

Everything in Core, plus:

Management fee waived on your first $2,000,000
Federal return, 3 states, up to 5 investment properties, 3 K-1s, and foreign forms
Trust funding, family gifting, and relocation analysis
Unlimited meetings in year one; 12 a year thereafter

Compare all services See the full plan breakdown

Compare planning, support, tax filing, and estate coordination across all three plans. Your engagement defines the final scope.

Scroll across the table to compare plans on smaller screens.

Compare the Foundations, Core, and Premier plans
Advisory & Support
	Foundations$6,000/yr	Core$9,600/yr	Premier$15,000/yr
Dedicated CFP® Professional	Included	Included	Included
Total Meetings (Year 1)	4	6	Unlimited
Total Meetings (Ongoing)	2	4	12
Additional Support Communication	Email	Email	Email & Zoom / Google Meet
Core Financial Planning
Goal Setting & Funding	Included	Included	Included
Financial Model	Included	Included	Included
Interactive Plan with Action Items	Included	Included	Included
Goal Tracking & Prioritization	Included	Included	Included
Annual Plan Update	Included	Included	Included
Cash Flow Strategy
Spending Plan Audit in Tiller.com	Included	Included	Included
Major Purchase & Cashflow Stress Testing	Included	Included	Included
Variable Compensation Planning	Included	Included	Included
Cash Flow Scenario Planning	Included	Included	Included
Real Estate Optimization
First-Time Homebuyer Modeling	Included	Included	Included
Home Affordability Analysis & Down Payment Strategy	Included	Included	Included
Mortgage Paydown vs. Investing Analysis	Included	Included	Included
Real Estate Taxes (Primary Residence)	Included	Included	Included
Mortgage Refinancing Analysis	Not included	Included	Included
Keep vs. Sell Analysis	Not included	Included	Included
Renovation vs Relocation Analysis	Not included	Not included	Included
Real Estate Insurance Risk Analysis	Not included	Not included	Included
Family & Education Planning
Education Funding Strategy & Tracking	Included	Included	Included
College Savings Analysis	Included	Included	Included
Tax-Advantaged Savings Strategy	Not included	Included	Included
529-to-Roth IRA Rollover Planning	Not included	Included	Included
Cash Flow & Funding Sequencing	Not included	Included	Included
Family Funding & Gifting Coordination	Not included	Not included	Included
Private K-12 vs. Relocation Analysis	Not included	Not included	Included
Investment Management Management uses passive, index-based portfolios. Foundations can add management on the standard fee schedule.
Management fee waived	Not included	First $1,000,000	First $2,000,000
Risk Profile Assessments	Included	Included	Included
Portfolio Analysis	Included	Included	Included
Portfolio Construction	Not included	Included	Included
Ongoing Portfolio Rebalancing	Not included	Included	Included
Investment Account Fee Transparency Audit	Not included	Included	Included
Tax Loss Harvesting	Not included	Included	Included
Tax Strategy & Filing Tax returns are prepared by our partner CPA firm. Work above these limits requires a separate agreement and fee.
Tax-Efficient Investment & Asset Location Strategy	Included	Included	Included
Review of Prior Tax Return	Included	Included	Included
Forward-Looking Tax Projections	Included	Included	Included
Tax-Loss & Tax-Gain Harvesting	Not included	Included	Included
Backdoor & Mega Backdoor Roth Coordination	Not included	Included	Included
Charitable Giving Optimization	Not included	Included	Included
Personal Federal Tax Return	Not included	Included	Included
Personal State Tax Return	Not included	2 States	3 States
Real Estate Investment Properties	Not included	Up to 3	Up to 5
K-1 Filings	Not included	2	3
Live Tax Consultations (1 Hour)	Not included	Not included	Included
Foreign Forms & Schedules	Not included	Not included	Included
Estate Planning Estate documents require coordination with the appropriate legal provider. Your engagement defines the scope.
Last Will & Testament coordination	Included	Included	Included
Power of Attorney coordination	Included	Included	Included
Advanced Health Care Directive coordination	Included	Included	Included
Evaluation of Existing Estate Plan	Included	Included	Included
Revocable Trust Coordination	Not included	Included	Included
Reviewing & Updating Beneficiary Designations	Not included	Included	Included
Support Funding Your Trust	Not included	Not included	Included
Help Coordinating Your Foreign Trust	Not included	Not included	Included
Planning Fee Details
Set-up Fee (Upon Signing Agreement)	$775	$1,350	$1,800
Monthly Fee (For 11 Periods)	$475	$750	$1,200
Total Year 1 Fee	$6,000	$9,600	$15,000

Beyond the core service (separately scoped work). Some situations call for work beyond the core service. International estate structuring and business transition planning are the two most common. When your situation calls for one of them, we scope that work as a separate engagement at additional cost, and we agree on the fee in advance, before any work begins. Nothing gets added to your bill without your sign-off.

Investment management

Every plan uses the same standard schedule, billed monthly in arrears on passive, index-based ETF portfolios. Core and Premier waive this fee on your first $1,000,000 and $2,000,000 of managed assets. The waiver is the standard schedule with those first dollars charged at $0, not a different set of rates.

Standard schedule
First $2M 0.95%
$2M to $10M 0.75%
$10M to $25M 0.50%
Over $25M 0.35%

Fees are blended and tiered: each band of assets is charged at its own rate, so the rate steps down as your assets grow. Billed monthly in arrears. The schedule applies only to passive, index-based ETF portfolios; it does not cover active management, individual securities, or customized non-model strategies.

Investment management on its own is available on this same schedule, without a financial plan.

The standard we hold No commissions. No product sales. The only money we make is the fees you pay us, which is the whole point of fee-only.

Are we a good fit?

Fit assessment Wealth Habits / intake

This fits

Fit Your finances have real moving parts: equity compensation, a business, cross-border wealth, a concentrated position, or a liquidity event on the horizon

Fit You want investment decisions tied to a full plan rather than managed in isolation

Fit You would rather delegate the portfolio and the coordination to a CFP® and CPA in one seat

Fit You want to know if and when work can become optional, and what it takes to get there.

Fit You retired within the last five years and want withdrawals, taxes, and healthcare decisions run as one plan.

Different arrangement

By arrangement You lean toward active management, individual securities, or a custom, non-model strategy. The core portfolios are passive, index-based ETFs billed on the schedule above. Active or custom strategies are available under a separate fee arrangement, scoped case by case.

By arrangement You want investment management without the financial planning. The integrated service is how we work best, but management on its own is available: passive portfolios are billed on the same tiered schedule, and custom strategies fall under the separate arrangement above.

Not for us

Not for us You are looking for a single one-time answer rather than an ongoing planning relationship

Not for us You want hourly advice or a single-topic, limited-scope project, like a one-off plan review or a standalone tax question. We do not bill by the hour or take limited-scope engagements.

Book an intro meeting

Not sure it fits? The intro meeting is free, and its whole job is to find out.