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Transparent Pricing

One flat fee. Everything included.

Life planning, tax strategy, investment management, estate coordination, business planning, RE investor planning, unlimited meetings — all coordinated by one advisor for one transparent monthly fee. Your fee scales with complexity, not with how well your portfolio does.

Book your 15-minute intro call

Your primary residence isn't included in the net worth calculation.

We don't believe you should pay an advisory fee on the equity in your home — that's not an asset we're managing, strategizing around, or adding value to.

The Formula

The more you build, the less you pay.

A declining percentage applied to tiers of your net worth. Simple math. Aligned incentives.

Net Worth Range
Annual Rate
Applies To
First $1M
1.00%
of net worth
$1M – $3M
0.35%
next $2M
$3M – $10M
0.20%
next $7M
Above $10M
0.10%
everything after

$10,000 annual minimum fee applies at all net worth levels.

What that looks like in practice

$1M net worth$833/mo(1.00%)
$3M net worth$1,417/mo(0.57%)
$5M net worth$1,750/mo(0.42%)
$10M net worth$2,583/mo(0.31%)
$20M net worth$3,417/mo(0.21%)
$30M net worth$4,250/mo(0.17%)

We publish our fees because we have nothing to hide.

Every line of our pricing is on this page. The formula. The tier breakdown. The interactive calculator. The math at $5M over 20 years. No sales calls required before you know what you'd pay.

Our pricing is flat, fair, and aligned with your success — not your account balance.

Calculator

See your exact fee.

Drag the slider. Compare to a 1% AUM advisor. Do the math yourself.

$3M
$500K$35M

Monthly Fee

$1,417

Annual Fee

$17,000

Effective Rate

0.57%

30-Year Fee Comparison

With Wealth In Yourself (Flat Fee)

$835,715

Total fees over 30 years

At 1% AUM Advisor

$2,506,717

Total fees over 30 years

Estimated portfolio benefit*

$3,684,578

more in your portfolio over 30 years

($1,671,001 in fee savings, compounded at the assumed growth rate)

* Hypothetical and illustrative only. Assumes 7% annual portfolio growth, 1% AUM fee vs. WIY declining flat fee. Past performance is not indicative of future results.

AUM advisor monthly: $2,500
Your flat fee: $1,417

Important disclosure: This calculator is for illustrative purposes only. The 30-year projection assumes a hypothetical 7% annual portfolio growth rate with fees deducted annually from the portfolio balance. Actual investment returns will vary and may be higher or lower than the assumed rate. Past performance is not indicative of future results. The WIY flat fee is based on net worth at engagement and is reviewed annually. AUM fees shown assume a 1% annual fee on portfolio value — actual AUM fees vary by advisor and may be higher or lower. This is not investment advice, a guarantee of future performance, or a solicitation to purchase any security. Consult a qualified professional before making financial decisions.

Like what you see? That fee covers everything below.

What You Get

Everything. One fee.

No add-ons. No surprise invoices. If it touches your financial life, it's covered.

Life Planning

Your money exists to fund a specific life. We design the plan around that life — not around a portfolio benchmark.

Tax Strategy

Proactive tax planning that coordinates with your CPA. Roth conversions, harvesting, entity optimization, estimated payments — quarterly, not just at filing time.

Investment Management

Low-cost, evidence-based portfolios. No proprietary products. No commissions.

Insurance Review

Term life, umbrella, disability, long-term care — we review every policy. No commissions. No affiliated carriers. Just coverage that fits.

Estate Coordination

Trusts, beneficiary audits, titling reviews, powers of attorney. We coordinate with your estate attorney so nothing falls through the cracks.

Business Planning

S-Corp vs. LLC analysis, Solo 401(k) and defined benefit plan design, buy-sell agreements, and exit strategy modeling.

RE Investor Planning

1031 exchanges, cost segregation studies, depreciation recapture planning, series LLC structures, and passive activity rule optimization.

Unlimited Meetings

No per-meeting charges. No hourly billing. Meet weekly during a transition, quarterly when things are steady. Your call.

VFO Partner Network

We coordinate with selected specialists when your situation calls for outside expertise — including tax, estate, and entity formation coordination. No referral fees. No separate onboarding.

No tiers. No packages. Every client gets full access to every service.

How does this compare to a 1% AUM advisor?

At $5M over 20 years, the math is straightforward: our flat fee costs $603,447. A 1% AUM fee on the same portfolio costs $1,953,284 — a difference of $1,349,836 in fees alone, or $2,369,210 when you account for the growth those fees would have earned you.

See the full comparison →

Pricing Questions

Do you charge for the intro call?
No. Your initial 15-minute intro call is free, and if we’re a mutual fit, we’ll schedule a Getting Acquainted meeting that’s also at no cost. You get over an hour with us to decide whether this is the right partnership — no pressure, no hidden fees, no strings.
What's included in the flat fee?
Everything. Life planning, tax strategy, investment management, insurance review, estate coordination, business planning, and real estate investor planning. One fee. No add-ons. No surprise invoices. If it touches your financial life, it's covered.
How is net worth calculated?
We calculate net worth by totaling your assets (investments, business equity, real estate holdings, cash) minus your liabilities. Your primary residence is excluded from the calculation. We reassess your net worth on your anniversary date each year — the date we began working together.
How does this compare to a typical AUM advisor?
A typical AUM advisor charges 1% of assets under management. At $3M, that's $30,000 per year. Our fee at $3M is $17,000 per year — $13,000 less annually. At $5M, the gap is $29,000 per year in the first year alone, and it widens as a 1% AUM fee compounds on a growing portfolio while our flat fee stays the same. We built an entire page that walks through the math — see our full AUM comparison.
Is there a minimum net worth requirement?
Our minimum annual fee is $10,000, which typically makes sense for clients with a net worth of $1M or higher (excluding primary residence). We can work with clients starting at $500K in net worth, but at that level you'd pay the $10,000 annual flat fee. Below $500K, a flat-fee model likely isn't the most cost-effective option for you, and we'd rather be honest about that upfront.
Can I cancel at any time?
Yes. No lock-in contracts. No cancellation fees. No guilt trips. We earn your business every month. If we stop adding value, you should leave.
Why not just charge a flat dollar amount?
Because a $500/month fee means something very different to someone with $500K versus $10M. Our tiered model scales with complexity — higher net worth typically means more accounts, entities, and tax considerations. The declining rate ensures you're never overpaying.
Do fees change if my net worth decreases?
We reassess your fee on your anniversary date each year based on your current net worth. If your net worth has grown, your fee may increase. If it has decreased — which happens with clients who retire and travel the world, contribute heavily to philanthropy, or simply enter a different life phase — your fee decreases accordingly. Our commitment is to charge fairly based on your current situation, not to lock in a fee that stops making sense for you.

Ready to design the life this money is supposed to fund?

Book a 15-minute intro call. No pitch. No pressure. Just a conversation about what matters to you.

Book Your Intro Call