Dedicated advisor
Planning and Premier center one ongoing advisor relationship, supported by the Flames planning team.
Flames FP vs Range
Flames FP vs Range: Dedicated Advisor or Team-Based Wealth Platform?
Both firms publish 0% AUM advisory pricing and coordinate broad financial decisions. Flames centers a dedicated Minnesota advisor; Range explicitly uses a team of specialists and a technology platform.
Reviewed August 26, 2026 by Joel Miller, CFP. Pricing and services can change; confirm current terms with each provider.
Short answer
Should You Choose Flames FP or Range?
Choose Flames FP if you want one dedicated Minnesota advisor, quarterly flexibility, and comprehensive pricing at $3,600 or $6,600 annualized. Choose Range if you prefer a team of CFP, CFA, CPA, equity, and estate specialists, direct indexing, a proprietary AI platform, and are comfortable with its $3,950, $5,950, or $12,500 annual tiers.
Specialist team
Range explicitly says clients do not have one advisor; specialists respond based on the question.
0% AUM advisory fee
Both publish flat fees. Range notes that TAMP, fund, custodian, tax, or other third-party fees may still apply.
Side by side
Flames FP and Range Compared at a Glance
The biggest difference is not whether the fee is flat. It is who owns the relationship and which tier includes each advanced service.
| Question | Flames FP | Range |
|---|---|---|
| Published prices | $3,600 Planning; $6,600 Premier annualized | $3,950 Premium; $5,950 Platinum; $12,500 Titanium per year |
| Advisor model | Dedicated Flames advisor | Team-based model; Range says clients do not have one advisor |
| Investment management | Personalized management, monitoring, and rebalancing | 0% AUM personalized portfolio management; direct indexing and tax-loss harvesting listed |
| Tax planning | Planning includes proactive guidance; Premier adds advanced projections and implementation | Premium excludes tax projections; Platinum and Titanium include strategic projections |
| Tax filing | Eligible Premier includes covered personal filing through an independent partner | Titanium includes filing; Platinum does not |
| Estate documents | Included through Wealth.com in Planning and Premier | Platinum and Titanium include estate-document creation; Premium does not |
| Meetings | Ongoing conversations through the dedicated relationship | Video calls with advisors as needed |
| Platform | Financial Dashboard plus advisor relationship | Range platform plus proprietary AI, Rai |
| Commitment | Quarterly billing with no annual commitment | Published as annual membership pricing |
Fees are based on publicly available information reviewed August 26, 2026. Actual fees may vary based on account size, services, negotiation, household complexity, and other factors. Prospective clients should review each adviser's current Form ADV and advisory agreement.
Range's Platinum tier is close to Flames Premier in price but does not include tax filing; Range reserves filing for Titanium. Flames Premier has a lower published annualized price than Range Titanium, but Range publishes a broader specialist and complex-filing scope.
Where Flames may fit better
Choose Flames for Relationship Continuity and a Lower Advanced-Tier Price
One accountable advisor
Some households prefer one advisor who knows the plan over time instead of routing questions across a specialist team.
Quarterly flexibility
Flames does not require an annual commitment. The relationship can stop before the next quarterly renewal.
Estate access before the top tier
Planning and Premier include Wealth.com access. Range's published Premium tier does not include estate-document creation.
Minnesota focus
Flames is built around Minnesota households and local tax, retirement, and planning context.
Where Range may fit better
Choose Range for a Broad Specialist Bench and Explicit Advanced Features
Specialist team
Range lists CFP, CFA, CPA, equity-compensation, tax, and estate expertise across its team model.
Direct indexing
Range explicitly lists direct indexing and tax-loss harvesting. Flames does not promise direct indexing as a standard feature on its pricing page.
Complex tax-filing scope
Titanium publicly lists federal and state returns, K-1s, FBAR/FATCA, and real-estate properties, subject to stated limits and additional fees.
Platform-first experience
Range emphasizes 24/7 data access, specialist messaging, and its proprietary AI assistant.
Decision checklist
Questions to Ask Before Choosing Flames or Range
- Do I want one dedicated advisor or a rotating team of specialists?
- Which tier includes tax projections, estate documents, and tax filing?
- Do I need direct indexing, and what additional TAMP or strategy fees can apply?
- What K-1, property, state-return, crypto, or international limits apply?
- What happens when I cancel, and is any annual fee refundable?
- How will planning decisions be coordinated when different specialists answer different questions?
Sources and method
How This Comparison Was Built
We reviewed each provider's public pricing and service pages on August 26, 2026. We compare published list prices, advisor relationship, investment implementation, tax scope, estate scope, commitment structure, and stated service limits. We do not treat a lower headline price as automatically better when the scope is different.
- Flames FP pricing — current membership, advisor, tax, estate, and cancellation details
- Range pricing — current Premium, Platinum, and Titanium prices, team model, features, limits, and fee disclosures
Company names and trademarks belong to their respective owners. Flames Financial Planning is not affiliated with or endorsed by the compared companies. This page is educational, reflects public information available on August 26, 2026, and is not individualized investment, tax, or legal advice.
Frequently asked questions
Flames FP vs Range Questions
Is Flames FP cheaper than Range?
Flames Planning at $3,600 annualized is slightly below Range Premium at $3,950. Flames Premier at $6,600 is above Range Platinum at $5,950 but well below Range Titanium at $12,500. The included tax and estate scope differs by tier.
Do Flames FP and Range both avoid AUM fees?
Both publish 0% AUM advisory pricing. Other fund, platform, custodian, tax, or third-party strategy fees can still apply, and Range specifically notes possible TAMP fees for some strategies.
Will I have one advisor at Range?
Range's current FAQ says no; it uses a team-based model. Flames Planning and Premier include a dedicated Flames advisor.
Which Range tier includes tax filing?
Range Titanium includes tax filing. Platinum includes tax projections and estate documents but does not include tax filing. Flames includes covered filing only for eligible Premier members through an independent partner.
Which is better for direct indexing?
Range explicitly lists direct indexing and tax-loss harvesting. Flames provides personalized investment management but does not advertise direct indexing as a standard guaranteed feature.
Which is better for a Minnesota household?
Flames may be the stronger fit when a Minnesota-based dedicated advisor matters. Range may be the stronger fit when a broad national specialist team and platform are more important.
Compare the fit
The Best Option Is the One Whose Scope Matches Your Financial Life.
If a dedicated Minnesota advisor, transparent flat quarterly pricing, personalized investment management, and coordinated planning are important to you, schedule a discovery meeting and ask direct questions before deciding.