Fee-only. Transparent. Built around thoughtful financial coordination.
No commissions. No product sales. No hidden compensation.
Every engagement is structured around clear planning fees, with optional investment management on a tiered blended schedule designed to align advice, implementation, and long-term decision-making.
SERVICES & PRICING OVERVIEW
WAYS TO WORK TOGETHERFinancial Planning
Build the system. Coordinate the decisions. Create long-term alignment.
Designed for navigating complexity around taxes, equity compensation, investing, cash flow, and major financial decisions.
This engagement includes a comprehensive financial plan and ongoing implementation support throughout the year, helping ensure recommendations are not only designed thoughtfully, but executed intentionally.
Included:
Comprehensive financial planning
12-month implementation roadmap
Equity compensation planning (RSUs, ISOs, ESPPs)
Tax planning and coordination
Cash flow and reserve structure
Insurance and estate coordination
Quarterly strategy meetings
Coordination with your CPA and attorney
Unlimited email and secure messaging
Financial Planning & Investment Management
Coordinated planning with integrated investment management.
Ongoing planning plus tiered investment management.
Designed for clients who want ongoing strategic planning alongside discretionary investment management and long-term portfolio oversight.
Assets are held directly at Schwab or Altruist. Dynamic Financial Planning never takes custody of client assets.
Included:
Everything in Wealth Building Architecture™
Discretionary investment management
Tax-aware portfolio construction
Direct indexing and tax-loss harvesting where appropriate
Equity compensation diversification strategy
Ongoing portfolio monitoring and rebalancing
Annual deep-planning review
PRICING Financial Planning Fee - Range based on complexity
Annual planning engagements typically range from $7,500–$30,000.
Investment Management Fee-Schedule - Based on assets managed
ASSET TIER * ANNUAL RATEFirst $1,000,000 0.90%
Next $4,000,000 0.70%
$5,000,000 and above 0.50%
How this works:
A $10M relationship would pay a total annual investment fee of $62,000.
$1M × 0.90% = $9,000
$4M × 0.70% = $28,000
$5M × 0.50% = $25,000
Total: $62,000 annually
*This fee covers investment management only. Financial planning is a separate engagement, priced based on the complexity of your situation.
Better coordination and better decisions over time.
Most financial mistakes happen when taxes, investing, equity compensation, cash flow, and major life decisions are handled separately.
The goal of this relationship is to bring those decisions together into one coordinated strategy designed to evolve with your life.
CLIENT SATISFACTION POLICYIf you decide within the first 60 days that the planning relationship is not the right fit, your planning fee will be refunded.
Because long-term fit matters.
The right financial relationship changes everything.
The first step is understanding where things stand today and whether this approach is the right fit for your life.