It starts with a plan.
No more wondering how you could do a bit better, or wishing you had more clarity about your financial journey.
We believe in flat-fee financial planning.
We believe great Financial Planning is built on a strong advice relationship. A clear flat fee lets us focus on understanding your financial life, working through important decisions, identifying what matters most, and helping you turn good Financial Planning into financial action.
We also believe you should know what Financial Planning costs. So we use Price Transparency from the start, with no surprises or complicated calculations. And when you become a Client, you enjoy Price Lock forever — so your Financial Planning fee is locked in and never changes, even if we raise our rates — giving you clarity about what you pay as your financial life evolves.
PRICE TRANSPARENCY
PRICE LOCK
who our planning serves best
As a thank you for your service, military veterans receive 10% off financial planning services.
MILITARY VETERANS
We help you navigate the unique financial decisions that come with military service and your transition out of the military. Make the most of your pay, benefits, TSP, pension, VA, insurance, benefits, programs, and other opportunities earned through your service.
WE’VE BEEN IN THIS ARENA,
AND WE KNOW WHAT IT’S LIKE.
Business Owners
We help you manage the connection between your business and personal finances, make better financial decisions, and build wealth both within and beyond your business. From cashflow and capital allocation to taxes, risk, and succession planning, we help you strengthen your business, improve its finances, and prepare for what’s next.
WE’VE BEEN IN THIS ARENA,
AND WE KNOW WHAT IT’S LIKE.
PILOTS
We help pilots navigate the financial opportunities and turbulence of an aviation career. From compensation, benefits, retirement, and investments to furloughs, career transitions, and industry uncertainty, we help you build financial resilience, grow your wealth, and prepare for whatever lies ahead.
WE’VE BEEN IN THIS ARENA,
AND WE KNOW WHAT IT’S LIKE.
REAL ESTATE OWNERS
We help you evaluate real estate decisions through the lens of your broader financial life. From buying and selling to financing, cashflow, renovations, and investment properties, we help you understand the opportunities, manage the risks, and build long-term wealth through real estate.
WE’VE BEEN IN THIS ARENA,
AND WE KNOW WHAT IT’S LIKE.
HOW WE SERVE FINANCIAL PLANNING CLIENTS
Plans you can act on.
Financial plans are for planners. Clients need financial actions.
We meet with you, understand your finances and goals, then build your Financial Action Plan with Next Steps. You still get the massive Financial Plan (that might bore your socks off), but more importantly, you get a simple, checklist-style one-page plan that tells you exactly what to do next.
3 Flat-Fee Options.
Each with a Financial Plan.
Each with a Financial Action Plan.
Ongoing
Financial Planning
COMMAND & CONTROL YOUR MONEY
Keep your Financial Plan working as your life and finances evolve. Ongoing Financial Planning includes regular planning reviews, continued analysis across your financial life, and Financial Action Plans that prioritize your most important next steps, helping you address financial friction, manage risk, pursue opportunities, and improve your financial trajectory.
Additional details below.
One-Time
Financial Plans
ASSIGN A MISSION TO YOUR MONEY
Get a comprehensive picture of your current finances, identify your goals, and receive a Financial Plan built around your situation. We identify the most important financial actions to address next while evaluating key planning areas including investments, taxes, retirement, insurance, estate planning, debt, real estate, charitable giving, and cybersecurity.
Additional details below.
Financial 360
ONE COORDINATED RELATIONSHIP. OUR DEEPEST RELATIONSHIP.
Get comprehensive Financial Planning across your cashflow, investments, taxes, retirement, insurance, estate planning, debt, real estate, education, and other financial priorities—plus unlimited Investment Management at 0% AUM, setup and ongoing management of a 401(k)s for Owners, and Specialty Advice covering Insurance, Real Estate, and Business Strategy & Planning.
Additional details below.
FINANCIAL PLANNING DETAILS & PRICING
Ongoing
Financial Planning.
You don’t need a mahogany office and a lecture; you need wise advice and a coffee.
We look across your financial life to help you understand where you stand, identify financial friction, evaluate opportunities and risks, and determine what needs to happen next.
Your planning will include cashflow, tax planning, retirement, insurance, estate planning, debt, education, investments, real estate, Financial Independence analysis, retirement planning, and other financial priorities.
You get all of the Personal Wealth Financial Planning services described below, quarterly updated Financial Action Plans, plus our Insurance and the Real Estate Specialty Advice services — bringing deeper expertise into the financial decisions that matter to you.
One flat fee. Comprehensive advice. Clear financial actions.
COMMAND & CONTROL YOUR MONEY
Financial Planning
Personal Wealth Planning
Financial planning for all the major aspects of your personal financial life, including your goals and financial purpose, net worth and cashflow, financial readiness, investments, held-away assets, real estate, taxes, risk management, insurance, debt, retirement and financial independence, estate planning, education planning, and stock compensation.
You’re supported by an annual Financial Plan and quarterly Financial Action Plans designed to keep your finances organized, your decisions intentional, and your money on mission.
Personal Wealth Planning includes
Annual Financial Plan • Quarterly Financial Action Plans • Tax Strategy & Planning • Insurance Review & Planning • Real Estate Advice & Planning • Balance Sheet & Cashflow Planning • Liquidity Planning • Debt Planning • Employer Compensation • Education Planning • Estate Planning • Retirement Planning • Financial Independence Planning • and more
+
Specialty Advice
Insurance Advice, Strategy & Planning
Insurance is an important part of managing financial risk. As a licensed insurance agent, we bring insurance knowledge into your Financial Plan to help protect your income, family, assets, business, and long-term financial strategy.
Our focus is advice. We help Clients understand their risks, determine what coverage may be appropriate, and evaluate how existing or proposed policies fit within their broader financial strategy—including identifying coverage gaps, reviewing policies, and evaluating insurance needs.
Personal Insurance Advice, Strategy & Planning includes
Insurance Needs Analysis • Existing Policy Reviews • Coverage Gap Analysis • Life Insurance Planning • Disability Income Insurance Planning • Long-Term Care Planning • Health Insurance Planning • Beneficiary Reviews • Estate & Legacy Insurance Planning • Business Insurance Planning • and more
Business Insurance Advice, Strategy & Planning includes
Key Person Life Insurance • Key Person Disability Insurance • Buy-Sell Funding Analysis • Business Overhead Expense Insurance • Business Continuity Planning • Executive Benefit Strategy • Ownership & Succession Insurance Planning
+
Real Estate Advice, Strategy & Planning
Every real estate decision is a financial decision. As a licensed real estate professional, we bring real estate knowledge into your Financial Plan to help you evaluate your primary residence, investment properties, vacation homes, business real estate, renovations, potential 1031 exchanges, and more.
Our focus is advice. We help Clients understand how real estate decisions may affect their cashflow, taxes, liquidity, risk, investments, Financial Independence, and long-term financial trajectory—including analyzing potential purchases, improvements, sales, exchanges, and how real estate fits within your broader financial strategy.
Real Estate Advice, Strategy & Planning includes
Portfolio Dashboard • Cashflow Analysis • Improvement Analysis • Sale Analysis • 1031 Exchange Analysis • Portfolio-Fit Analysis • and more
Your service calendar
PROTECT → BUILD → GROW → HARVEST
OBFI Ongoing Financial Planning Clients enjoy the full Personal Wealth service calendar below. Please note, the Business Wealth portion of the service calendar is for our Flat Fee Financial 360 Clients (details below).
$3,000-6,000/year.
Based on complexity.
Price Lock: Your fee schedule is never raised.
10% off for military, police, and firefighters.
FINANCIAL PLANNING details & PRICING
One-Time Financial Plans
Like having a fractional CFO
on-hand.
This option includes the same comprehensive Financial Planning and Specialty Advice as Ongoing Financial Planning — delivered one time. You get the analysis, advice, Financial Plan, and Financial Action Plan — but no quarterly meetings, ongoing decision-making, check-ins as needed, or the deeper Financial Planner relationship.
We look across your financial life to help you understand where you stand, identify financial friction, evaluate opportunities and risks, and determine what needs to happen next.
Your planning will include cashflow, tax planning, retirement, insurance, estate planning, debt, education, investments, real estate, Financial Independence, and other financial priorities.
And one-time doesn’t have to mean only once. Financial Plans are repeatable, so you can return when your life, finances, or goals change and you’re ready for a fresh plan and new Financial Action Plan with Next Steps.
$500-$3,000/plan.
Based on complexity.
This is next-gen fiduciary advice at wOrk
Advice aligned with your mission — not your assets
“Our flat-fee structure means planning is done in your best interest—even if it means directing assets away from us.”
– Matt Oberdorfer, Oberdorfer Financial advisor and owner on being a next-gen advisor not charging financial planning Clients AUM fees for investment management.
FINANCIAL PLANNING details & PRICING
Flat Fee Financial 360
Interested in our Flat Fee Financial 360?
Click below for details.
TAKE A DEEPER LOOK AT OUR SERVICES & FEES
Ready to schedule a call?
↓ Use the calendar below to pick a date and time that’s convenient for you ↓