Do I have to start with the plan before Ongoing Planning?

Usually, but we may agree to start directly.

If I start Ongoing Planning directly, do I pay the planning fee?

No. By agreement, there's no planning fee; we develop your plan during the first few months.

If I finish the plan and later choose Ongoing Planning, is the planning fee credited?

No. The planning fee is not credited toward the annual fee.

Is tax preparation included?

No. It's offered separately by Step By Step Tax Solutions, LLC, a separate firm also owned by Kevin, under its own engagement letter. It's optional, and many of our clients keep their own tax preparer.

How much does it cost to get a financial plan?

One flat fee, set before you start. No hourly billing, and nothing added later.

Financial Planning

$4,000per household

Clear answers to your biggest financial questions
A written plan built around your priorities
Your next steps, in order, each with a suggested completion date
Time with Kevin to walk through every recommendation
No accounts to move
No long-term commitment

Pay over 60 days: $2,000 to start, then $1,000 at 30 days and $1,000 at 60 days, by ACH from your bank account. If you change your mind within five business days of signing, you get a full refund.

No fee for the Initial Call or discovery meeting.

Schedule Your Initial Call See What's Included

Single or married, $300,000 or $5 million, the fee doesn't change.

Continuing after your plan

For continued help carrying out your plan, see Ongoing Planning below.

	Financial Planning	Ongoing Planning
The service	A written plan built around your questions. You keep your accounts where they are and act on the plan yourself.	We keep your plan current year after year, with planning meetings offered each spring and fall, year-end tax planning, and investment management at Fidelity.
The fee	One flat fee, paid in three installments. See fees	A percentage of the assets we manage. See rates
How long	90 days	As long as you choose
Your accounts	Stay where they are	The accounts we manage move to Fidelity. We help with the transfer.

Financial Planning

The service: A written plan built around your questions. You keep your accounts where they are and act on the plan yourself.
The fee: One flat fee, paid in three installments. See fees
How long: 90 days
Your accounts: Stay where they are

Ongoing Planning

The service: We keep your plan current year after year, with planning meetings offered each spring and fall, year-end tax planning, and investment management at Fidelity.
The fee: A percentage of the assets we manage. See rates
How long: As long as you choose
Your accounts: The accounts we manage move to Fidelity. We help with the transfer.

Ongoing Planning fees

Each rate applies only to managed assets within its tier.

The fee covers the planning work described on the Ongoing Planning page, not just investment management.

First $3 million	1.00%
$3 million to $6 million	0.60%
Above $6 million	0.50%

Billed quarterly, in advance, from your account at Fidelity. There's no minimum fee. Accounts in the same household are combined to set your tier.

See what's included and estimate your fee

Pricing questions

Schedule Your Initial Call

30 minutes, by phone or video. No fee, no obligation, and nothing to prepare.

Want to read the agreement before your discovery meeting? Ask, and we'll send you a copy.

For full details, see our Form ADV Part 2A