Flat Fee Planning
We believe financial guidance should be clear, intentional, and centered on your best interests, not driven by hidden costs or complex fee structures. Our Flat Fee Planning option provides a comprehensive, personalized financial plan for a straightforward, predetermined fee, so you know exactly what you’re paying and what you’re receiving.
Why it matters
You should know what you pay
Most people cannot say what they pay for financial advice. It is buried in a fund’s expense ratio, a commission, a percentage that scales with the account rather than with the work. When the price is hidden, so is the incentive.
That leaves you wondering whether a recommendation is for you or for the fee. It is a reasonable question, and one you should never have to ask.
Flat Fee Planning answers it up front. One predetermined fee for a complete One of a Kind Financial Plan™, agreed before the work starts, with nothing that depends on what you buy or how much you bring.
Where this fits
One fee for the whole One of a Kind Financial Plan™, across all five components:
How we approach it
Listen, design, manage
Step 1
Listen
The first conversation is about you, not a price list: your story, your goals and what you want the plan to do. From that we agree the scope, and the fee, in writing, before any planning begins.
Step 2
Design
You receive the full plan: all five components, built the same way as every One of a Kind Financial Plan™, by the same team.
Step 3
Manage
You decide what happens next. Some clients implement the plan on their own, some ask us to manage their investments, and some come back for an update when life changes. There is no obligation built into the fee.
What’s included
- A complete One of a Kind Financial Plan™ across all five components
- One predetermined fee, agreed in writing before the work begins
- A fee that does not depend on what you invest or how much you bring
- Fiduciary advice from an independent firm
- A written plan you can act on with us or on your own
- A plan review meeting to walk through every recommendation
- The option to add investment management or ongoing planning later
Flat Fee Planning questions, answered plainly
It depends on the scope of your plan, and it is agreed in writing before any work begins. Book a complimentary call and we will tell you the number before you decide anything.
No. It is the same One of a Kind Financial Plan™, built by the same team. The only difference is how you pay for it.
No. Flat Fee Planning stands on its own. If you later want us to manage investments, that is a separate decision and a separate agreement.
Investment advisory and financial planning services are offered through Advisory Alpha, LLC, a Registered Investment Advisor. As a fiduciary we are required to act in your best interest, and a flat fee takes away the incentive to recommend one product over another.
Related questions:
What does flat-fee financial planning mean?What is a fiduciary, and is 1.oak Financial one?Educational information, not individualized advice. Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor. Insurance, coaching, and education services offered through Ideas by Mike, LLC, DBA 1.oak Financial.
