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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.

As part of some hourly engagements, we will onboard you to financial planning software.  We can provide access to this during your engagement with us if you are interested.  

$200-250/hr (1 hour minimum)
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

Comprehensive flat-fee financial planning begins on a one-time basis for new clients.   After completion, you can choose to continue with us with an on-going relationship, go on your own or schedule a check-in only as needed with the hourly option.  You retain control of your assets with this model.  

Coastal Dunes View

1

TIER I EXPRESS
$2,400-3,600

How we work together:

  • 3-4 Meetings

  • ​Comprehensive Plan & Actionable Items​

  • Areas we cover:​

  • Your financial goals -retirement, education, major purchase, travel

  • Household net worth - your balance sheet

  • Ensure your savings is sufficient

  • Income and Expenses Review

  • Review your Tax Return

  • Education planning

  • Retirement: "On Track" Review

  • Investment Review: Portfolio allocation and guidance

  • Basic estate review

  • Basic life insurance needs review​

Not in scope:

  • Investment management and monitoring

  • Complex insurance review

  • Complex estate review

  • Implementation

2

TIER II COMPREHENSIVE $4,000-6,000

How we work together:

  • 4-6 Meetings

  • ​Comprehensive Plan & Actionable Items

Areas we cover:

  • Your financial goals -retirement, education, major purchase, travel

  • Household net worth - your balance sheet

  • In-depth savings review, forecast the impact of additional savings

  • In-depth Income and Expenses Review

  • Review your Tax Return

  • College: Cost and Savings Plan

  • Insurance:  life, disability and liability review

  • Retirement: Full retirement readiness review 

  • Investment Review: Full portfolio review and investment recommendations

  • Will, Trust, POA, Beneficiaries and other aspects of your estate reviewed

Not in scope:

  • Investment management and monitoring

  • Implementation

3

TIER III COMPLEX
$6,000-8,000

Retirement and Pre-retirement, more complex scenarios

Everything in scope from the lower tiers plus:

  • Retirement goals prioritization

  • Social security claiming strategies

  • Roth conversion recommendation

  • Account withdrawal strategies

  • Retirement income needs assessment and an income strategy

  • Handling of taxes in retirement

  • Liquidity in retirement​

  • Housing and Debt decisions

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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