Honest Pricing for Everyday People
What You Pay. What You Get. No Surprises.
Financial advice shouldn’t cost a fortune, and it shouldn’t come with hidden fees, sales pitches, or a minimum balance requirement that locks most people out before they even start.
My pricing is simple, transparent, and built for working people. Before we do anything, you’ll know exactly what it costs.
A Free 30-Minute Conversation First
Before we talk money, we talk about you. Your goals, your situation, and whether I’m actually the right fit.
This first conversation costs nothing.
If we decide to move forward, I’ll give you a written estimate tailored to your specific needs.
Fair, clear, and in plain English.
What I Charge
Hourly Advice — $130/hour
Billed in half-hour increments at $65 each. Most big firms charge $250–$300 an hour for the same level of guidance.
Best for: one-time questions, specific goal planning, Social Security timing, tax strategy review, or a second opinion on a financial decision.
Ongoing Investment Management — 0.5% AUM annually
If I’m managing your accounts under an Investment Advisory Agreement, I charge 0.5% of assets under management per year and not a penny until your account reaches $25,000.
Most firms reserve this rate for accounts over $1 million. Smaller accounts often pay 1.0–2.0%. You pay half. https://smartasset.com/financial-advisor/financial-advisor-cost
Best for: families and individuals who want ongoing retirement planning and investment oversight.
Trusts & Nonprofit Endowments — Custom Pricing
Every trust and endowment is different. Pricing is scaled based on complexity and stewardship needs. Always fair, always disclosed upfront.
Best for: family trusts, conservatorships, church funds, and nonprofit endowments.
No Account Fees
If accounts and investments are maintained through Fidelity Investments®, there are no account maintenance fees, service charges, or investment sales charges on most investments.
Why Fee-Only Matters
I don’t sell investment products. I don’t earn commissions. I don’t get paid by anyone other than you.
That’s not just an ethical choice, it’s a structural one. My only incentive is giving you advice that actually works for your situation. When your financial life improves, that’s the only win I’m chasing.
- No commission products
- No hidden account charges
- No referral kickbacks
- No minimum balance to get started
