It starts with a plan.
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
INDIVIDUALS
We help you build your financial life and work toward greater Financial Independence. Especially if you are actively managing your career advancement, growing your income, and making increasingly important financial decisions along the way.
FAMILIES
We help you bring your family finances together—from cashflow and investments to education, insurance, tax planning, real estate, retirement, and estate planning. Build your strategy for today while preparing for the milestones ahead.
Business Owners
We help you manage the connection between your business and personal finances. Put your Personal Wealth and Business Wealth on-mission, make better financial decisions, and build your wealth beyond the business.
REAL ESTATE OWNERS
We help you make better real estate decisions, whether you own a home, invest in properties, are considering your next purchase, or are simply exploring your options. Understand how real estate fits within your broader financial strategy.
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, TSP, pension, VA benefits, insurance, benefits, programs, and other opportunities earned through your service.
As a thank you for your service, military veterans receive 10% off financial planning services.
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.
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.
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.
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.
FLAT FEE FINANCIAL 360 DETAILS & PRICING
360.
Everything.
Working together.
A flat-fee financial 360
that buttons-up your finances.
The Flat Fee Financial 360 is our deepest relationship, and best value. It coordinates the moving pieces of your financial life and business life into one ongoing relationship designed to help you continuously improve your financial trajectory, in manageable and guided steps.
This is a bundled financial service.
Bundle includes ↓
⋅ Financial Planning
⋅ Unlimited Investment Management at 0% AUM
⋅ 401(k)s for Owners
⋅ Specialty Advice
Here’s what Clients get with the bundle…
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
+
Business Wealth Planning
Business Wealth Planning extends Personal Wealth Planning by bringing your business into the fold. Rather than viewing your business as a separate part of your life, we view it as one of your most significant assets and intentionally integrate it into your overall financial picture.
We help coordinate the relationship between your business and your personal wealth—aligning it with your financial goals, life goals, net worth, risk tolerance, tax strategy, retirement planning, investments, and estate planning—while recognizing where business and personal finances should work together and where they should remain appropriately separate. The result is a coordinated strategy designed to strengthen your long-term wealth, financial readiness, and flexibility as both a business owner and an individual.
Business Wealth Planning includes
Quarterly Business Action Plans • Cashflow Allocation Planning • Liquidity & Reserve Planning • Financial Performance Analysis • Insurance Planning • Business Risk Management • Cybersecurity Risk Strategy • Business Tax Strategy • Owner Compensation & Distribution Strategy • Debt & Capital Structure Planning • Capital Investment Analysis
+
Investment Management
Unlimited Investment Management at 0% AUM
Rather than paying separately for financial planning and investment management, your investment portfolio becomes part of one coordinated relationship.
We professionally manage your investments, monitor risk, optimize taxes, and make portfolio adjustments as needed—all without an additional advisory fee.
Investment Management includes
Roth IRAs • Rollover IRAs • Traditional IRAs • Back-door IRAs • Retirement Trusts • Beneficiary IRAs • Beneficiary Roth IRAs • High Yield Savings Accounts • Joint Brokerage Accounts • Trust Brokerage Accounts • Individual Brokerage Accounts • UTMAs • UGMAs • Minor IRAs • Minor Roth IRAs • SEPs • SIMPLEs • Solo 401(k)s • Roth Solo 401(k)s • Partnership Accounts • Sole Proprietorship Accounts • LLC, C Corp, and S Corp Accounts • Non-Profit Organization Accounts • Tax-Loss Harvesting • TSP to IRA Rollovers • 401(k) to IRA Rollovers • In-Plan Roth Conversions • IRA to Roth IRA Conversions • TSP to Roth IRA Conversions • Back-Door Roth Conversions • Mega Back-Door Roth Conversions • SIMPLE to Roth IRA Conversions • 401(k) to Roth IRA Conversions • SEP to Roth IRA Conversions • 529 to Roth IRA Transfers • and more
+
401(k)s for Owners
401(k)s for Owners
We help business owners design, implement, and manage Solo 401(k)s or Group Plans that support both their business and personal financial goals. We help coordinate plan selection, initial setup and administration, ongoing investment management, fiduciary oversight, participant education, and collaboration with TPAs, custodians, and other professionals.
You may be surprised to learn that owners may be able to contribute up to the annual IRS maximums while potentially reducing their tax bill by $10,000, $20,000, or more, depending on their situation. Rather than permanently losing those dollars to taxes, they’re directed into suitable investments that remain part of your long-term wealth-building strategy. It can also help you recruit and retain top talent.
401(k)s for Owners includes
Solo 401(k)s • PEPs • MEPs • Standalone / Custom Plans • Safe Harbor Plans • Traditional Plans • Profit Sharing Structure • Contribution Strategy • Eligibility, Vesting, & Match Design • Tax Strategy Integration • Fiduciary Oversight • Initial Setup Coordination • Ongoing Investment Management • Model Portfolios • Target Date Funds • Core Date Funds • Vendor Coordination • Participant Education • Annual Plan Review • Plan Evolution • 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
+
Business Advice, Strategy & Planning
Every business decision is a financial decision. As a business strategy advisor (CEPA®), we bring specialized business planning knowledge into your Financial Plan to help you evaluate growth, enterprise value, capital allocation, financing, business real estate, ownership, and other significant business decisions.
Our focus is advice. We help Clients understand how business decisions may affect their Personal Wealth × Business Wealth, identify opportunities and risks, and strengthen the business as a financial asset—including analyzing growth, value drivers, investments, financing, ownership transitions, and long-term business strategy.
Business Advice, Strategy & Planning includes
Growth & Value
Growth Strategy & Planning • Business Value Discussions • Enterprise Value Drivers • Value Enhancement Strategies • Business Readiness Assessments • Significant Business Decisions • Financing Strategy • Investment Decision Support • Acquisition Analysis
Business Real Estate
Business Real Estate Strategy • Own vs. Lease Analysis • Real Estate Acquisition Planning • Real Estate Investment Analysis • Real Estate Purchase Analysis • Real Estate Cashflow Planning & Analysis • Real Estate Improvement Analysis • 1031 Exchange Planning
Ownership Planning
Business Continuity Planning • Key Person Strategy & Planning • Succession Planning • Buy-Sell Agreement Planning • Exit Readiness
Your service calendar
PROTECT → BUILD → GROW → HARVEST
Fee structure
$12,000 / year
Price Lock: Your fee schedule is never raised.
10% off for military, police, and firefighters.
Limited slots remaining at this price.
Don’t need the Flat Fee 360 financial bundle?
We also offer Ongoing Financial Planning and One-Time Financial Plans.
details & PRICING
Ongoing Financial Planning
You don’t need a mahogany office and a lecture; you need wise advice and a coffee.
This option includes everything in the Flat Fee 360 —without Investment Management or 401(k)s for Owners. You get all of the Financial Planning services, all the Specialty Advice services, plus the quarterly updated Financial Action Plans. Still one flat fee. Comprehensive advice. Clear financial actions.
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.
You also have access to our Specialty Advice in Real Estate Strategy & Planning, Business Strategy & Planning, and Insurance Strategy & Planning — bringing deeper expertise into the financial decisions that matter to you.
$3,000-6,000/year.
Based on complexity.
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.
TAKE A DEEPER LOOK AT OUR SERVICES & FEES
It starts with
a plan.
We manage your assets for you.
We help Owners
setup 401(k)s.
Ready to schedule a call?
↓ Use the calendar below to pick a date and time that’s convenient for you ↓