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We're flexible.  You decide what works for you.

The first step is always a 30 minute complementary initial consultation where we determine if this is a good fit.

 
Hourly Financial Planning
Hourly financial planning is one option, and it can be an attractive one.  We decide together on 1-2 areas to address and work to get your questions answered.  We provide an estimate up front and never exceed this estimate without your explicit approval.  If our hours are above the initial estimate we won't bring up extra charges unless there are major changes to facts and circumstances.  Navigate here for more details and info on hourly fee financial planning.

$250/hr

Great for DIYers and those needing a second opinion.
Allows you to get your top areas of concern addressed without a major commitment.
 

Fee-Only Comprehensive Financial Planning

For comprehensive financial planning clients, we build and then hand-off to the client the financial plan.  Clients may choose from there to go on their own or return for check-ins on an hourly fee basis.

Coastal Dunes View

1

TIER I EXPRESS
$2,400-3,600

Establishing Financial Foundations

How we work together:

  • Tier I clients are typically are looking to get their financial foundation in place​

  • We may look at investment allocation across employer and brokerage accounts

  • Retirement planning is usually focused on long term savings

  • Clients may be saving for a large purchase like a house and want to get their short and long-term savings in order​

Not in scope:

  • Ongoing investment management and monitoring

  • Complex insurance review

  • Complex estate review

  • Implementation

2

TIER II COMPREHENSIVE $4,000-6,000


Mid-Career Professionals and Business Owners

How we work together:

  • Tier II clients are usually more mid-career and have more complex overlapping financial goals

  • Investment reviews include more types of accounts and managing risk and tax efficiency across allocations in different accounts

  • Clients may have complex estate planning and life insurance planning needs 

  • Retirement planning needs more attention and involves projections based on spending and savings goals

Not in scope:

  • Ongoing investment management and monitoring

  • Implementation

3

TIER III COMPLEX
$6,000-8,000

Retirement, Pre-retirement and more complex scenarios

How we work together:

  • Tier III clients often have retirement on the horizon with retirement becoming more of a reality vs a far off scenario

  • In addition to retirement, clients may have other complex financial goals

  • Social security timing is usually a factor and requires planning

  • Risk, tax efficiency of investments and even roth conversions may be on clients minds.

  • Clients may have complex estate and life insurance needs.

Not in scope:

  • Ongoing investment management and monitoring

  • Implementation

Let’s Talk

Montgomery Financial Planning offers practical, personal financial planning built for real life. Transparent, reliable support. No jargon. Just honest guidance and smart strategies.

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