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Simple Wealth Planning
Andrew Flattery founded Simple Wealth Planning in 2018 in North Kansas City, Missouri, after a decade at BMO Wealth Management and RBC Wealth Management.
Simple Wealth Planning
Andrew Flattery founded Simple Wealth Planning in 2018 in North Kansas City, Missouri, after a decade at BMO Wealth Management and RBC Wealth Management. His departure from the wirehouse model was deliberate: he objected to commission-driven product sales dressed as financial plans. The firm operates on a fee-only, discretionary basis for individuals and families, targeting a multi-decade investment horizon. Flattery retains the CFP® designation and remains the sole principal and investment decision-maker. The firm runs concentrated fundamental-value equity portfolios and permits Bitcoin as a long-term savings allocation — an unusual pairing in the RIA channel. Flattery’s public letters confirm direct stock selection, with Deere & Company cited as a 2025 holding. Clients typically consolidate between $500,000 and $5 million. The firm covers US-listed equities and Bitcoin; it does not market alternative assets, private funds, or multi-manager structures. Geographic focus is domestic, serving Kansas City and a national virtual client base. Simple Wealth Planning has not publicly disclosed AUM or total deployment. The firm operates as a solo practice with Flattery as the sole advisor. No additional offices, adjacent investment vehicles, or philanthropic entities are indicated. In early 2025, Flattery published his annual investor letter and a separate note arguing that inflation functions as a hidden tax worsened by the current tax code, underscoring the firm's emphasis on purchasing-power preservation over benchmark-relative investing. The firm can accept clients nationwide through virtual meetings, a structure that lets it scale an idiosyncratic Kansas City proposition — value equity plus Bitcoin — without physical expansion. Its generalist wealth-management chassis leads with a concentrated, liquidity-oriented mandate, a stance more common among family offices than among Main Street RIAs serving the same account-size band. Succession risk is concentrated in a single named principal.
General information
Firm type
Bank / Wealth / Trust
Year founded
2018
AUM
Undisclosed
Location
Region
North America
Country
United States
City
North Kansas City
Corporate office
North Kansas City, Missouri, United States
Principals
Andrew Flattery
Owner, Certified Financial Planner™
Sector focus
Frequently asked questions
Who runs investment decisions at Simple Wealth Planning?
Andrew Flattery, the firm’s owner and a CERTIFIED FINANCIAL PLANNER™, makes all investment decisions. He built the practice in 2018 after working as a financial advisor at BMO Wealth Management and RBC Wealth Management, and he continues to write publicly about individual stock selection and Bitcoin allocation.
Does Simple Wealth Planning use index funds or direct securities?
Flattery explicitly favors direct ownership of individual stocks over broad index replication, arguing that younger investors with a long horizon should concentrate before diversifying. Public holdings disclosed in 2025 include Deere & Company. The firm also treats Bitcoin as a direct long-term savings asset rather than a fund wrapper.
What is Simple Wealth Planning’s view on Bitcoin?
The firm classes Bitcoin as hard money and a savings technology that protects against monetary debasement. Flattery, a member of the Bitcoin Financial Advisors Network, rejects the standard wirehouse objection that Bitcoin is purely speculative and recommends it as a component of a multi-decade accumulation plan for clients who share that conviction.
What is the typical client profile at Simple Wealth Planning?
The firm targets individuals and families with a multi-decade outlook who are consolidating between $500,000 and $5 million. It positions itself as an alternative to the conventional retirement-focused advice Flattery encountered at large financial institutions, instead catering to younger accumulators open to concentrated positions, entrepreneurship, and idiosyncratic risk.
How does Simple Wealth Planning structure its fees?
Simple Wealth Planning operates on a fee-only basis, charging directly for financial planning and investment management rather than earning commissions on product sales. Flattery has publicly criticized the traditional model in which an advisor offers a free plan primarily to sell an insurance or investment product that generates a large commission check.
Can clients work with Simple Wealth Planning from outside Kansas City?
Yes. The firm accepts clients nationwide and conducts virtual meetings, a structure Flattery adopted to avoid geographic constraints. The first meeting is free and designed as a working session that provides value immediately, regardless of whether the prospect eventually engages the firm.
What investment stages or strategies does Simple Wealth Planning avoid?
The firm does not promote global market-cap index funds, alternative assets, private-market vehicles, or multi-manager structures. It has explicitly criticized the ‘default global market portfolio’ and instead concentrates on fundamental value equity selection and Bitcoin, arguing that true long-term wealth creation requires stepping away from benchmark-centric diversification.
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