Fee-Only Financial Planning

No. The firm does not custody assets, execute trades, or manage discretionary portfolios. Kevin Kingston's team produces financial plans and investment-policy statements, but clients implement and self-manage their portfolios at low-cost brokerages like Vanguard, Fidelity, or Schwab. The firm deliberately avoids any role that would tie its compensation to client asset levels.

Fee-Only Financial Planning uses a flat-fee or hourly billing model. Clients pay a predetermined project fee for a comprehensive financial plan or an hourly rate for targeted consultations. The firm does not accept commissions, referral fees, or asset-based fees, and it has publicly committed to refusing all revenue-sharing arrangements with custodians or product providers.

Kevin Kingston, the founder and managing partner, is the firm's sole investment-policy architect. He designs the planning frameworks and allocation recommendations that clients receive. The firm does not employ a separate chief investment officer or an investment committee, consistent with its solo-practitioner structure.

The firm targets do-it-yourself investors who have accumulated meaningful assets in tax-advantaged accounts and are approaching retirement, but who want a professional financial roadmap without ongoing portfolio-management fees. Its client base includes Illinois-based professionals, academics, and pre-retirees who are comfortable executing their own trades at discount brokerages.

Most fee-only RIAs charge clients a percentage of assets under management. Kingston's firm has eliminated that model entirely, charging only project or hourly fees and explicitly refusing any compensation tied to client asset levels. This makes it a hardline fee-only practice in an industry where the AUM model remains dominant even among fiduciaries.