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.

|  | Foundations $6,000/yr | Core $9,600/yr | Premier $15,000/yr |
| --- | --- | --- | --- |
| Advisory & Support |  |  |  |
| 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.

- 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](https://wealthhabits.com/meeting)

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

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Source: [https://wealthhabits.com/pricing/](https://wealthhabits.com/pricing/)

Wealth Habits is a fee-only, fiduciary financial planning and investment management firm. We are compensated only by our clients, never by commissions, and we are held to a fiduciary standard to act in your best interest at all times.

Derastone LLC dba Wealth Habits is a registered investment adviser. Review our Form CRS and Form ADV at adviserinfo.sec.gov.