Modern Dollar Planning

Modern Dollar Planning

Founded in 2015 and headquartered in St. Louis, Modern Dollar Planning serves corporate executives and medical professionals across the United States through a mix of local and virtual advisory relationships. The firm markets itself to clients with layered financial lives — those managing equity compensation, retirement planning, tax optimization, and insurance needs simultaneously. Its website centers client questions around stock option exercise timing, pre-tax versus Roth 401(k) contributions, and college funding, signaling a practice built for high-earning professionals in their accumulation years. The firm structures its services as flat-fee financial planning and investment management, positioning itself as a transparent alternative to traditional asset-based fee models. This approach aims to remove conflicts of interest tied to gathering assets. Modern Dollar Planning acts as a fiduciary and addresses investment allocation, employee benefit selection, healthcare coverage, insurance adequacy, rental real estate evaluation, and estate planning document coordination. The firm does not publicly segment its client base by asset thresholds, and its website does not disclose total regulatory assets under management. Modern Dollar Planning operates from a single office in St. Louis but serves a geographically distributed client base across the United States. The firm publishes blog posts and videos covering personal finance topics relevant to its target demographic, though no specific team size, partnership structure, or leadership names appear in its public materials. There is no verifiable record of adjacent vehicles, philanthropic arms, or operating businesses tied to the firm. Structurally, Modern Dollar Planning's differentiator lies in its flat-fee compensation model paired with a fiduciary standard — a combination that eliminates the incentive to maximize assets under management. The firm targets employed professionals with equity-linked compensation rather than liquid-wealth accumulators traditionally served by AUM-based advisors. Ownership and succession details are not publicly disclosed, leaving the governance architecture opaque beyond its fee structure and service scope.