Flat Fee Financial

The firm charges a flat fee—either as a monthly subscription, an annual retainer, or a one-time project rate—rather than a percentage of assets under management. The specific fee schedule is disclosed in the firm's Form ADV Part 2 brochure when available, but the core principle is that compensation does not scale with portfolio size. This structure appeals to households with larger balances who would otherwise pay substantially more under a 1% AUM fee.

Based on its stated flat-fee model, the firm likely provides discretionary portfolio management as part of its bundled offering, though the exact scope would be detailed in its advisory agreement. Clients typically grant limited power of attorney so the advisor can rebalance accounts without seeking approval for each trade. The portfolios are generally constructed from index funds and ETFs, keeping implementation costs low and transparent.

Traditional advisors commonly charge 0.75% to 1.5% of assets annually, meaning a $2 million household pays $15,000 to $30,000 per year. Flat Fee Financial sets a fixed dollar price that does not change with market movements, reducing the implicit tax on portfolio growth. The advisor also avoids the incentive to recommend against withdrawals, debt paydown, or real estate purchases that would reduce billable assets.

The firm's evidence-based approach points toward low-cost index mutual funds and exchange-traded funds covering U.S. equities, international equities, and investment-grade fixed income. Portfolios are diversified across market capitalizations and geographies, without individual stock selection, hedging overlays, or alternative assets. Cash holdings typically sit in money market funds or high-yield savings accounts for near-term spending needs.

Comprehensive planning is a core component of the flat-fee model, encompassing retirement income projections, Social Security optimization, tax-loss harvesting within taxable accounts, and coordination with estate-planning attorneys. The firm does not prepare tax returns or draft legal documents, but its advisors review strategies and collaborate with the client's CPA or attorney to align financial decisions with the broader estate plan.