Flames FP questions
Use this page to compare the fee model, membership scope, tax and investment services, free dashboard, Minnesota relationship, and what happens next.
Direct answer
Flames Financial Planning is a Minnesota-based fee-only fiduciary firm using fixed quarterly memberships instead of AUM fees. Access combines investment management with personalized foundational planning. Planning adds a dedicated Flames advisor, comprehensive planning, tax guidance and return review, and day-one Wealth.com access. Premier keeps the dedicated advisor relationship and adds advanced planning, implementation, professional coordination, priority support, and eligible individual tax-return preparation through a designated independent tax partner.
Fees and fit
The price should be understandable before the relationship begins and should map to planning needs rather than a portfolio percentage.
$600 annualized. Includes professionally designed model portfolios, monitoring and rebalancing, supported Altruist account management, Altruist high-yield cash-account access, a connected dashboard, one introductory planning meeting, and personalized foundational guidance by email or secure messaging.
$3,600 annualized. Includes everything in Access, plus a dedicated Flames advisor supported by the planning team, comprehensive planning for straightforward households, proactive tax guidance, review of one completed personal return, Wealth.com estate-document access, and planning support around covered priorities.
$6,600 annualized. Includes everything in Planning, with advanced retirement and tax modeling, complex planning and implementation led by your dedicated Flames advisor, professional coordination, priority secure messaging, and eligible individual tax-return preparation through the designated independent tax partner.
Services
Membership scope depends on planning complexity, but the model is built to connect the financial decisions that affect one another.
Investment management can be included without an AUM fee and coordinated with taxes, retirement, cash flow, and goals.
Planning includes proactive tax guidance and review of one completed return, but not preparation or filing. Eligible Premier members receive covered individual tax-return preparation through the designated independent tax partner.
Planning and Premier can coordinate retirement and estate decisions and include day-one access to Wealth.com's client-directed will and trust document platform. Individualized attorney advice is separate.
Starting point
The free dashboard, planning guides, calculators, and video library are available before a paid relationship begins.
Organize net worth, budgeting, goals, debt, insurance, estate documents, and planning questions.
Explore the dashboardLearn about fees, taxes, retirement, investing, insurance, estate planning, and common high-earner decisions.
Browse videosTalk through the decisions, likely planning scope, quarterly price, and whether Flames FP is the right fit.
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Common questions
Access is $150 per quarter ($600 annualized), Planning is $900 per quarter ($3,600 annualized), and Premier is $1,650 per quarter ($6,600 annualized). Memberships are billed quarterly in advance with no annual commitment.
No. Investment management is included in each fixed quarterly membership without an additional percentage-of-assets fee.
Yes. Every tier includes professionally designed model portfolios, monitoring, rebalancing, and supported investment-account management through Altruist, with no minimum investment balance.
Only eligible Premier memberships include preparation and filing through the designated independent tax partner. Planning includes proactive tax guidance and review of one completed personal return, but no preparation or filing.
Planning and Premier receive day-one access to Wealth.com's client-directed platform for will-based and revocable-living-trust plans for both spouses or partners. Flames FP facilitates the process but does not draft legal documents or provide legal advice; individualized attorney advice is separate.
Yes. The dashboard is free to use for organizing net worth, budgeting, goals, debt, insurance, estate documents, and planning questions.
Yes. Flames FP is Minnesota-based and offers virtual planning flexibility for eligible clients.
You can begin with the free financial dashboard or schedule a discovery meeting to discuss fit, priorities, service needs, and the likely membership.
Next step
Use the free dashboard to organize your questions, then schedule a discovery meeting when you are ready to compare the planning work and quarterly membership price.
