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Straightforward Financial Guidance, No Strings Attached
At our firm, "hourly planners" means just that—hourly. Period. Unlike most fee-only firms that rely on asset management fees for compensation, we’ve taken a different approach from the start. Our hourly model ensures you receive top-tier service and expert financial advice, regardless of whether your net worth is $1,000 or $100 million.
Why Choose Us?
We are proud to be fee-only fiduciary financial planners, a standard that means:.
Acting with Integrity
Always operating in good faith and with full transparency.
Proactive Disclosure
Identifying and sharing any potential conflicts of interest upfront.
No Hidden Fees
We do not accept commissions, referral fees, or any compensation tied to the purchase or sale of financial products.
Why Do People Hire Us? Validation We provide independent validation of your financial decisions. "Am I on the right track?" Ideation We offer fresh ideas and strategies you may not have considered. "Are there things I should be doing differently?" Trusted Partner We serve as a reliable resource for your evolving needs. "Who will guide me as my circumstances change?" Family Resource We support your spouse and children in financial matters. "Who will help my family if something happens to me?" "Who can prepare my children to manage their finances?"
Our commitment is simple: delivering unbiased financial advice tailored to your needs—nothing more, nothing less.
Our commitment is simple: delivering unbiased financial advice tailored to your needs—nothing more, nothing less.
Expert Financial Planning, Transparent Costs—Pay Only for What You Need!
Review the levels below to find the best fit for your needs. Pricing reflects bundled services for comprehensive advice, but individual services are also available.
What are the costs after the initial planning process?
After completing your plan, future reviews are typically a fraction of the initial cost. Whether it’s a quick question or an hour-long consultation, you only pay for the time spent—no hidden fees, no commissions. Just clear, expert financial advice.
Level One
$3,500 – $7,000
(Hourly rate: $350)
usually between 10-20 hours.
This is right for you if:
- Want a clear projection of your cash flow and net worth.
- Are exploring the timing of retirement or financial independence.
- Seek to be more proactive with tax planning.
- Have savings in 401(k) or IRA accounts.
- Are considering college planning for your children.
- Need objective advice on insurance coverage and estate planning.
- Want a solid framework for making confident financial decisions.
What you receive:
- An in-depth review of your financial situation with personalized advice.
- We analyze the requested service areas, then provide a detailed report with cash flow/net worth projections, financial recommendations, and investment advice.
- Meetings are billed based on actual time spent.
- As your financial needs grow, you may advance to higher levels of service.
Level Two
$5,250-$10,500
(Hourly rate: $350)
usually between 15-30 hours.
You’ll benefit from our services if you:
- Have a more complex financial situation than Level 1
- Are established in your career or approaching retirement
- Need guidance on pre-retirement decisions
- Have existing insurance policies or estate planning documents
- Have received an inheritance or other windfall
- Have accumulated a moderate level of investments.
What you receive:
- A comprehensive review of your financial situation with personalized advice.
- We analyze the service areas you choose and deliver a detailed report, typically including cash flow/net worth projections, financial planning recommendations, and tailored investment advice.
- Meetings are billed based on the actual time spent, and you move to higher service levels as your financial complexity increases.
Level Three
$7,000-$12,250
(Hourly rate: $350)
usually between 20-35 hours.
You’ll benefit from our services if you:
- Exhibit Level 2 characteristics with more complex financial needs.
- Are established in your career or nearing retirement
– Need guidance on pre-retirement planning. - Have existing insurance policies or estate documents.
- Have received an inheritance or other financial windfall.
- Have built a moderate investment portfolio.
What You Receive:
- A thorough review of your financial situation with personalized advice.
- We analyze the service areas you request and provide a detailed report, including cash flow/net worth projections, financial planning recommendations, and customized investment advice.
- Meetings are billed based on actual time spent, and you progress to higher service levels as your financial complexity grows.
Level Four
$8,750 – $18,000
(Hourly rate: $350 or $450)
usually between 25-40 hours.
You’ll benefit from our services if you:
- Exhibit Level 3 characteristics with more complex financial needs
– Have multiple sources of income. - Hold significant stock options or restricted stock as part of your net worth.
- Have participated in deferred compensation plans with multiple elections.
- Are the primary owner of a business with employees.
What You Receive:
- An in-depth review of your financial situation with customized advice.
- We analyze the areas you request and provide a detailed report, including cash flow/net worth projections, financial planning recommendations, and personalized investment strategies.
- Meetings are billed based on actual time spent. As your financial complexity grows, you progress to higher service levels.
Level Five
$18,000 or more
(Hourly rate: $450 or $800)
usually 40 hours or more.
You’ll benefit from our services if you:
- Have a highly complex financial situation or one intricate service area.
- Exhibit Level 4 characteristics with more complex needs.
- Have multiple income streams or own a business.
- Hold sophisticated investments.
- Own complex insurance policies.
- Have a large estate
What you receive:
- We offer detailed analysis across all service areas or hourly advice on specific complex topics.
- We assist with large estates, complex insurance policies, small business or partnership advice, and other specialized needs.
Why Do People Hire Us?
Validation
We provide clients with an independent review of their financial decisions.
“Am I on the right track?”
Ideation
We offer clients innovative ideas and strategies they may not have considered.
“Are there things I should be doing differently?”
Trusted Thought Partner
We act as a reliable resource for clients, guiding them through future changes.
“Who will be my thought partner when my situation or external circumstances change?”
Family Resource
We serve as a resource for your family, offering support to spouses and children.
“Who will I turn to if something happens to my spouse?”
“Who can help prepare my children to manage their finances well?”