Financial Planning Without Asset-Based Fees

I charge a simple flat annual fee for financial planning.

I do not charge a percentage of your assets, and I do not manage or take custody of client investments.

My role is to help you design, understand, and maintain a thoughtful financial plan — one built around low-cost investing, disciplined cash-flow management, and long-term decision-making.

I believe good financial planning should be accessible, transparent, and aligned with the actual work being done. For 2026, my annual planning fee is $500.

The annual planning engagement includes:

• A comprehensive financial plan

• Retirement income and cash-flow planning

• Portfolio structure guidance (non-discretionary)

• Social Security and retirement timing analysis

• Estate planning coordination and review

• Ongoing support for planning-related questions throughout the year

My practice is intentionally small, which allows me to work thoughtfully with a limited number of clients who value a disciplined, long-term approach to planning.

This approach is a good fit if you:

• Prefer low-cost, index-based investing

• Want guidance without giving up control of your assets

• Value clarity, discipline, and long-term thinking

It may not be a good fit if you:

• Are looking for active trading or market timing

• Prefer discretionary asset management

• Want investment selection delegated to an advisor