Financial Planning, creating a future you want!

Financial Planning for the Life You Want

Financial planning is not a one-time event—it’s an ongoing process.
Our structured approach is designed to bring clarity and consistency to financial decision-making over time.

We Begin with
Full Clarity

Before discussing strategies or portfolios, we take time to understand your full financial picture—your goals, priorities, and what matters most to you.

We Build a Practical Roadmap

We develop a focused, evolving approach designed around how you earn, spend, and make decisions—avoiding unnecessary complexity.

We Help Put the
Plan into Action

We help move from ideas to implementation, coordinating next steps and staying engaged as your financial situation evolves.

We collaborate,
not dictate

We work alongside you and coordinate with other
professionals when needed, maintaining a transparent
and structured approach throughout.

Our Strategy Helps You

Understand exactly where your money is working — and where it isn't
Make confident decisions as life changes
Turn long-term goals (like retirement, travel, legacy) into clear, actionable steps
Reduce stress and finally put an end to money avoidance

The Result?

You get clarity, confidence, and a team that's as relentless about your goals as you are.

This isn't about fear-selling.

It's about designing intentional financial muscle that allows you to move forward without uncertainty or overwhelm and build with purpose.

Our Commitment to Acting in Your Best Interest

As a fiduciary, we are required to act in the best interest of our clients. This means placing your needs first, being transparent about potential conflicts, and making recommendations based on your overall financial situation.

Financial professionals may operate under different standards. Some are held to a “suitability” standard, which means recommendations must be appropriate, but may not always prioritize the client’s best interest in the same way.

Understanding this difference can help you make more informed decisions about who you choose to work with.

Learn more

How We Price Financial Planning

Your First Year With Us

Every client starts with a 12-month planning engagement.

Why? Because real change takes time.

We’ll create your roadmap, help you execute it, and adjust as life inevitably shifts. We believe in transparent fees and creating a plan tailored to your life. Our priority is to deliver peace of mind, clarity and provide relentless support.

Every plan includes:

Comprehensive analysis across cash flow, taxes, investments, retirement, insurance, and estate needs
A prioritized action plan (with accountability built in—we don’t hand you a binder and disappear)
Ongoing access to your advisory team for those “life just happened” questions
Coordination with your CPA, attorney, or HR team as needed
Implementation support (accounts, transfers, insurance underwriting, plan updates)

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

Annual Planning Fees

Individuals or Couples Just Starting Out

$2,750–$3,750

Early-stage income
First Home
Retirement accounts

Families, Professionals,
& 1099

$3,750–$7,500

Dual Incomes
Realtors
Consultants
1099 Income
Stock Comp
Significant Savings

Executive &
Business Owners

$7,500–$10,000+

Equity Compensation
Business Ownership
Trusts
Real Estate
Multi-Generational Planning

Beyond Year One

After your first year, most clients continue their planning relationship (typically $1,750–$7,500/yr), tailored to the level of ongoing planning and advisory support you need. Investment management is available separately, always fully disclosed, and never required.

Note: If your situation involves multiple businesses, advanced estate work, or a significant transaction (sale, buyout, inheritance), we’ll scope and agree on a custom fee before starting. No surprises.

This fee schedule is provided as a general overview. Fees for Financial Planning Services are negotiable and are based on a variety of factors including the services selected and complexity of your situation. Your actual fee may differ and will be disclosed in your Financial Planning Services Agreement. A complete explanation of fees and services is available in the MML Investors Services, LLC Financial Planning Services ADV Brochure. Information as of 09/10/2025 and subject to change

What's Included in Your Financial Planning Experience

What’s Included for Clients

Access to E-Money (your personal financial planning portal) - this is the portal where you can link up all your accounts, track spending, run reports and see your entire financial household on one page. This is also how we will help hold you accountable. We will use the same system to model all of the planning and analysis. Learn more here!
Ongoing availability of our team to respond to questions via email/ phone calls.
4-6 meetings throughout the year.

*Bonus* Exclusive weekly emails with articles in publications that typically require costly subscriptions such as Financial Times, Huffington Post and Bloomberg as a thank you for becoming a valued client.

Additional Services for
Business Owners

Review of Qualified Plan: Minimize audit risks and ensure compliance for your qualified retirement plan. Trust our professional team to handle complex financial situations while you focus on your business.
Tax Planning + Working with Your CPA: Optimize your tax position with our comprehensive tax planning. Collaborate with your trusted CPA and leverage our expertise for maximum savings and minimal liabilities.
Assistance with Business Strategy and Succession: Achieve long-term success and a smooth transition with our strategic advisory services. Get tailored guidance for growth, diversification, and succession planning.

Why Our Financial Planning Approach Works

✔ Flat fees, aligned incentives.
Your costs are predictable, and our advice is objective.

✔ Comprehensive, not piecemeal.
We integrate every part of your financial life—cash flow to estate planning.

✔ Accountability built in.
A plan only matters if it gets done. We’re here to make sure it does.
We prioritize execution and accountability—not just pretty reports.
Fancy charts don’t change lives. Follow-through does.

What is Fee Based Financial Planning?

Embark on a transformative financial journey, guided by our unwavering commitment to your success. Unlike conventional approaches driven by commissions and quotas, our boutique firm works as fiduciaries, prioritizing your interests above all else. Your financial aspirations become the heart of our mission; intricately woven into every step we take together.

At the core of our accomplished team lies a profound purpose: to align a plan with your dreams and ambitions. Be it securing a confident retirement, sophisticated investment management, or fostering comprehensive financial well-being, we immerse ourselves in your financial world. Engaging in thoughtful conversations, we gain deep insights into your current situation, paving the way for a tailored strategy that seamlessly harmonizes with your unique goals.

With us, transparency and ethics reign supreme. Our transparent fee structure ensures clarity throughout our partnership, fostering an environment of trust and confidence. Together, let's craft a future that is financially sound and purposefully aligned with your vision. Join us on this extraordinary journey towards lasting prosperity and fulfillment.

We want you to live your best, wealthy life—whatever that means to you!

Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.

FAQ

Q: Do I have to buy products?
No. Planning is a standalone service. If we implement insurance or investments, we disclose all costs, always.

Q: Can I pay monthly?
Yes—most clients do. Annual or quarterly works too.

Q: I’m a realtor/consultant with variable income. Am I “Growing Complexity”?
Likely yes. We’ll optimize irregular cash flow, taxes (quarterlies/PTET when relevant), and retirement savings for 1099s.

Q: What if my needs change mid-year?
We’ll adjust the scope together—up or down—and confirm any fee change before we proceed.

The Cost of Not Planning

We understand that seeing a fee can feel like a hurdle. But the bigger cost is often invisible: the cost of not having a plan. Without clear guidance, it’s easy to overspend unintentionally, put off saving, or make decisions that push goals further away. For couples, money can become a constant source of stress or conflict. And for everyone, there’s the reality that “you don’t know what you don’t know” — missed tax strategies, overlooked risks, or opportunities that quietly slip by. The truth is, those hidden costs almost always outweigh the fee. A solid financial plan may help save you money but also improves confidence, reduces stress, and helps you move forward together.

It all starts here.

Schedule a Discovery Meeting