An hourly financial planner provides advice on a pay-as-you-go basis rather than charging a percentage of your assets. You pay only for the time and expertise you need, making it a flexible and transparent option.

This faq is a good starting point. Our transparent fee schedule is here. A page describing hourly fee financial planning we offer in more detail is here.

Traditional advisors typically charge ongoing asset-based fees (AUM), while an hourly financial planner charges only for time spent. This removes the need to transfer assets and avoids long-term commitments.

You can get help with retirement planning, tax strategies, investment reviews, cash flow planning, and major financial decisions. Specific examples might include: Making a major purchase and understanding the impact on your retirement A one-time on track review if you are "on-track" for retirement Understanding the tax consequences of a potential sale of an investment A second set of eyes on your investment portfolio

Costs vary depending on the complexity of your situation, but you’ll receive a clear estimate upfront so you know what to expect before any work begins. See the pricing page for more details. Once we provide an estimate and begin work we do not go over our estimate or charge you more unless facts and circumstances very significantly change. In this case, we'll discuss your options well in advance and never charge more than the initial estimate without your approval.

The process begins with an initial consultation where we discuss your goals and determine the scope of work. From there, we outline next steps and estimated time. Navigate here to schedule an initial consultation.

This model works well for DIY investors, professionals needing tax or retirement guidance, and anyone who wants advice without ongoing fees or asset management.