Fee-only planning for your complete financial picture
Coordinated strategy across your income, taxes, investments, and major life decisions.
Fee-only FINANCIAL PLANNING
The cost of making decisions in silos
Most people manage their finances across different advisors and accounts with no one coordinating the whole picture. Your CPA handles taxes. Your broker manages investments. Your attorney handles estate planning. But no one is asking: How do these decisions affect each other? That gap creates missed opportunities, tax inefficiency, and a plan that's less than the sum of its parts.
A financial planner's job is to coordinate across all of these so every decision reinforces the others, not conflicts with them.
What's included in every engagement:
Life planning
We dig into your actual goals: retirement timing, career changes, major purchases, philanthropy. Then we build strategy that supports those decisions instead of forcing you into a predetermined plan.
Cash flow and budget planning
We map your complete picture: income, expenses, savings rate, major goals. For people with multiple income sources or irregular income, this clarity is critical. Most can't see whether they're actually ahead or behind.
Tax planning
Your CPA handles what you already owe. We handle what you'll owe next. We coordinate with them year-round on bracket management, Roth conversion timing, tax-loss harvesting, and charitable giving strategy. Most professionals overpay six figures over a career because no one is actively managing these decisions together.
Insurance planning
Your income is your most valuable asset. We review gaps in life, disability, and liability coverage. Most people are either over-insured or under-insured in critical areas. We advise on what you need. You buy it anywhere you want.
Estate planning coordination
We work with your attorney to align beneficiaries, trusts, and documents with your financial strategy. Most high-net-worth people have estate documents from years ago that no longer fit their situation. If visiting an office is the best option for you, we use the best tools and technology to streamline completing your estate plan.
Equity compensation planning
RSUs, ISOs, and ESPPs create wealth opportunity, but most people mismanage the tax side. Standard withholding doesn't cover actual taxes owed. We build a strategy for exercise timing, diversification, and tax optimization. The difference between coordinated strategy and DIY is often $10,000+ over a few years.
Coordination across your existing advisors
We work alongside your CPA, attorney, and other advisors. No consolidation required. We make sure everyone's aligned.
Annual planning engagements typically range from $7,500–$30,000
For people who want one coordinated plan and prefer to manage their own investments or don’t want to transfer them. No assets required.
Financial Planning Pricing:
How much does a financial planner cost?
Financial planning starts at $7,500 per year for comprehensive planning. For complex situations with equity compensation or inherited wealth, it typically ranges $7,500 to $30,000 annually. If you add investment management, the planning fee is typically structured as $1,500 initial fee and $500 per month for the first year.
Do I need a financial advisor for RSUs or equity compensation?
Yes, if you have RSUs, ISOs, or ESPPs vesting over years. A financial planner who understands equity compensation can usually save you more in taxes than the planning fee costs. The difference between a coordinated diversification strategy and DIY is often $10,000+ over a few years. Read more about equity compensation planning.
What's the difference between fee-only and fee-based?
Fee-only advisors are paid only by you, with no commissions on products or asset moves. That alignment usually shows up in three places: lower-cost fund choices, tax efficiency (since there's no incentive to trade), and advice that serves your situation rather than a sales quota. Dynamic Financial Planning is fee-only.
Do I need financial planning if I have $1M+ in investments?
Yes. If you have meaningful investments, tax complexity, or equity compensation, professional planning typically pays for itself. Most clients we work with have between $500K and $5M in assets.
What if I have a concentrated stock position or RSU windfall?
That's exactly when you need coordinated planning. A concentrated position or sudden equity event creates unique tax and diversification risks that require strategy across all your accounts and advisors.
Do I need to move all my investments to work with you?
No. You can keep your investments where they are. We can manage your core portfolio at Schwab or Altruist, or we can coordinate across multiple advisors and accounts. What matters is coordination, not consolidation.
What does a financial planner actually do?
A financial planner builds a strategy across your income, taxes, investments, insurance, and major life decisions. Then they help you implement it, coordinate with your other advisors, and adjust as your life changes. It's not just a portfolio; it's coordinated decision-making. Learn more about the financial planning process.
How often should I meet with my financial planner?
We meet every other month while implementing your structure during year one. After that, quarterly meetings continue for strategy reviews and updates. Between meetings, email and messaging for questions that come up. The plan evolves as your life changes.
Is a fee-only financial planner worth it?
It depends on your situation. If you have equity compensation, a concentrated stock position, an inheritance, or a business stake, professional planning can pay for itself many times over. If your income is stable, your situation is simple, and you've got a low-cost index portfolio, you might not need it. We're direct about fit.
FREQUENTLY ASKED QUESTIONS
Learn more about building your coordinated plan.
Let's start with a conversation about your situation, your goals, and whether it’s the right fit.