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What does financial planning cost?

You may be surprised when you first learn what financial planning costs.  

Our Typical Fee Ranges

Getting Started (first year)

$4200 to $10,500

Ongoing Partnership

$3500 to $7000/year

That may sound pricey compared to reading financial planning blogs or listening to podcasts, but if you are like many people, you are busy with your career, family, and other interests, and you're not even sure if advice from the internet is reliable.  There are costs - both financial and emotional - to missed opportunities, overspending, investment mistakes, unnecessary taxes, and being unprepared for major expenses and life events.  A great deal of wealth will pass through your hands during your lifetime, and investing a small percent in smart decision-making over time can have a big impact on whether or not you thrive financially.

Abby bases her fees on a rate of $350/hour for time spent in person and behind the scenes.  Your cost is determined by the complexity of your situation and your priorities.  Abby provides a fee quote before you commit, and your final cost will not exceed the quote without your permission.  

Why is a one-hour check-in each year not enough?

"Once I've made an initial Plan with Abby, why can't I just schedule a one-hour meeting every year or two to 'check-in' and see how I'm doing?"  This is a question we get a lot, and it's understandable!  Much of what goes into the ongoing monitoring and adjustment of your planning happens behind-the-scenes.

In our initial engagement, we spend a lot of time and energy identifying your values, hopes, habits, and worries.  We establish a foundation for decision-making, set goals, make actionable plans, and then... life happens.  Much of the true value of planning comes from understanding your goals and circumstances as they evolve, measuring your progress based on fresh data, and keeping an eye out for opportunistic tax, investment. and other strategies as you go.  

One-off meetings can't do justice to the various parts of your life that are affected by, get in the way of, or otherwise influence your finances.  Furthermore, Abby does not provide off-the-cuff advice that may do more harm than good.  Rather, she is interested in having her best impact through a long-term relationship with you where we keep you in good financial health through proactive, regular, data-driven decision-making.  An ongoing relationship delivers the full value of the work we do together.  

You may save slightly over a traditional wealth manager.

And that's a win!  Rather than managing your accounts for you, Abby provides instructions and, if needed, oversight as you implement trading in your own accounts.  This allows us both to avoid some of the expensive infrastructure required by wealth management firms.  Traditional wealth managers commonly charge about 1% of your portfolio value, and with minimum investments of $500,000 or $1,000,000, you could pay $5000 to $10,000 or more every year, not to mention the escalating cost for portfolios greater than $1,000,000.  

Either way, if the advice and guidance you receive helps you reach your goals, it's priceless, especially considering the amount of money you will likely earn and spend over your lifetime.

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Align Your Assets With Your Aspirations