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 financial plan: retirement, cash flow, insurance, estate coordination
Tax strategy and equity compensation planning (RSUs, ESPPs)
2 to 3 meetings a year with a CFP and CPA
Add investment management anytime on the standard schedule

Core

$9,500 /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
Tax preparation: one federal and one state return, one rental property
Multi-year ISO and NSO strategy
4 to 6 meetings a year

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
Tax preparation for multi-state returns, K-1s, multiple rentals, and equity-comp filings
Meetings as needed

Compare the Foundations, Core, and Premier plans
Advice and planning
	Foundations$6,000/yr	Core$9,500/yr	Premier$15,000/yr
Dedicated advisor, CFPs and CPAs under one roof	Included	Included	Included
Meetings per year	2 to 3	4 to 6	As needed
Full financial plan: retirement, cash flow, insurance review, estate coordination	Included	Included	Included
Tax strategy and planning	Included	Included	Included
Equity compensation planning (RSUs, ESPPs)	Included	Included	Included
Multi-year ISO and NSO strategy	Not included	Included	Included
Investment management Billed separately as a percentage of assets, on passive index portfolios.
Management fee waived	Not included	on your first $1,000,000	on your first $2,000,000
Tax preparation Prepared by our partner CPA firm.
One federal and one state return	Not included	Included	Included
One rental property	Not included	Included	Included
Multi-state, K-1s, multiple rentals, equity-comp returns	Not included	Not included	Included

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.