Flat-fee, one-time planning is a project where you pay a single, agreed-upon fee for a comprehensive financial plan and recommendations. There’s a clear start and finish to the engagement, and no ongoing obligation or percentage-of-assets charge.

A one-time plan typically includes a discovery meeting, detailed review of your current finances, tailored recommendations across key areas (like retirement, investments, and taxes), and a written action plan. You also get a follow-up window to ask questions and clarify next steps. More detail is provided here and this is customized based on your specific situation.

With flat-fee planning, the cost is based on the work we do together, not on the size of your investment accounts. You pay a transparent project fee instead of a percentage of your portfolio, so the price doesn’t automatically rise as your assets grow.

This model works well for people who want clear, objective advice and a roadmap, but don’t necessarily need ongoing portfolio management. It’s especially helpful if most of your wealth is in 401(k)s, equity comp, or real estate, or if you prefer to implement recommendations yourself.

Clients appreciate knowing the total cost upfront, getting a comprehensive plan without feeling “sold” products, and keeping the flexibility to implement on their own terms. It’s a way to get high-quality, fiduciary advice without committing to an ongoing fee arrangement.