Updated:
Flat Fee Financial
Flat Fee Financial charges a fixed price for financial planning and investment management, decoupling advice fees from asset levels.
Flat Fee Financial
Flat Fee Financial structures its client relationships around subscription or retainership pricing, rather than the percentage-of-assets model that anchors most registered investment advisors. The approach targets households that may hold significant wealth but prefer predictable advisory costs over fees that rise with market valuations. The firm emphasizes comprehensive financial planning—retirement projections, tax coordination, estate review—alongside discretionary portfolio construction. Investment management follows a passive or evidence-based philosophy, using low-cost exchange-traded funds and index mutual funds rather than individual security selection or alternative products. Client portfolios are typically built from globally diversified equity and fixed-income allocations, rebalanced periodically against drift bands. The firm does not market proprietary funds or commission-generating products, keeping its revenue tied solely to the flat advisory fee. Explicit cost disclosures help clients compare total carrying expense across advice, custody, and fund vehicles. The firm identifies its primary geographic footprint through virtual service delivery, often extending across multiple U.S. states via electronic agreements and video meetings. No additional physical offices appear in public directories. The professional roster and assets under advisement are not publicly reported, consistent with a practice that serves a modest number of households under a high-touch, planning-centric model. Flat Fee Financial has not announced recent operational changes through press releases or regulatory filings. Structurally, the firm occupies a niche between traditional percentage-fee RIAs and do-it-yourself platforms, offering ongoing fiduciary advice at a price decoupled from asset levels. For households accumulating wealth inside tax-deferred accounts—where asset-based fees compound the tax drag—the flat-fee architecture preserves more portfolio value over decades. This design choice reflects a conviction that advisory value comes from planning and behavior management, not from access to products.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
—
Country
—
City
—
Corporate office
—
Frequently asked questions
How does Flat Fee Financial price its services?
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.
Does Flat Fee Financial manage assets on a discretionary basis?
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.
How is this model different from a traditional financial advisor?
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.
What investment vehicles does the firm use in client portfolios?
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.
Does Flat Fee Financial provide tax planning or estate coordination?
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.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
Need institutional-grade insight on family offices?
Altss delivers:
Prefer a guided tour?
We’ll walk you through: