Transparent Fees
You see the plan before you see a bill
We're fee-only — no commissions, no hidden incentives, no product sales. You pay for our time and advice. Nothing else.
Free Initial Plan
For every new client, no exceptions
Before we discuss ongoing fees or any paid engagement, you receive a complete written financial plan based on your actual situation. This isn't a teaser or a shortened preview — it's a real plan you can act on immediately.
What's included
- Review of your current financial situation
- Written financial plan with specific recommendations
- Priority action steps tailored to your goals
- Cash flow and savings analysis
- Retirement readiness review
- Insurance and protection gap assessment
- Tax-efficiency opportunities
Ongoing support
After your free plan, some clients want continued help — quarterly check-ins, plan updates as life changes, and a place to ask questions when they come up.
Ongoing fees are based on the scope of what you need. We'll discuss them clearly after your free plan — once you've had a chance to see how we work and decide whether continued support makes sense for you.
Our fee approach
- Flat fees or hourly — no percentage of assets
- No commissions on products we recommend
- All fees explained before any engagement begins
- No long-term contracts
Pricing questions
Why is the initial plan free?
Because we think you should be able to evaluate whether working with us is worth it before you spend anything. We'd rather earn your trust first.
What does fee-only mean?
It means we charge fees for advice — we don't earn commissions by recommending products. Our advice is based on what works for you, not what pays us.
Are there any hidden fees?
No. We explain all fees before any paid engagement begins. There are no surprise charges.
What if I just want the free plan and nothing else?
That's completely fine. Take the plan, use it on your own, and come back if you want more help down the road. No pressure.
Ready to see what your financial picture actually looks like?
Book a free 30-minute planning conversation. No obligation, no sales pitch.