Based in Minnetonka
Flames FP is a Minnesota-based firm headquartered in Minnetonka. This page describes the Minneapolis service area, not a separate Minneapolis branch.
Financial advisor serving Minneapolis
A flat-fee financial advisor serving Minneapolis, Minnesota.
Flames Financial Planning is based in Minnetonka and serves Minneapolis-area households through a flexible virtual planning relationship. Fixed quarterly memberships coordinate investments, taxes, retirement, estate guidance, and ongoing decisions without AUM fees.
Minnetonka-basedA Minnesota firm serving Minneapolis-area households; Flames FP does not claim a Minneapolis office.
$150-$1,650/qtrQuarterly memberships billed in advance, with no annual commitment.
0% AUMThe advisory fee is not calculated as a percentage of the portfolio.
Virtual planningMeet and collaborate from Minneapolis or elsewhere in Minnesota.
Direct answer
How Do You Find a Flat-Fee Financial Advisor Serving Minneapolis?
Compare each advisor's registration, fiduciary role, total annualized cost in dollars, services included, experience, and meeting model. Flames Financial Planning is based in Minnetonka—not at a Minneapolis office—and serves Minneapolis households through virtual planning. Memberships cost $150, $900, or $1,650 per quarter ($600, $3,600, or $6,600 annualized), with no AUM fee and no annual commitment.
A truthful local relationship
Minnesota roots without inventing a downtown office
Location pages should help a person understand who is actually available, where the firm is based, and how the relationship works.
Built for virtual collaboration
Meetings, document sharing, dashboard access, and ongoing planning can happen virtually, so crossing the metro is not required for every decision.
Verify before you hire
Review a professional's registration, services, disciplinary history, and fee disclosures before choosing an advisor.
Minneapolis planning context
Use current Minnesota data, not generic local filler
Local financial planning can involve state taxes and changing household costs. These official sources provide context; they do not predict an individual household's results.
Minnesota income-tax brackets
For tax year 2026, Minnesota lists individual income-tax rates of 5.35%, 6.80%, 7.85%, and 9.85%. Brackets depend on filing status and taxable income.
Twin Cities inflation
BLS reported Minneapolis–St. Paul area prices up 4.7% over the year ending May 2026 and shelter up 4.8%. BLS cautions that local indexes measure change over time, not price-level differences between cities.
Fee impact over time
Investor.gov illustrates how even small ongoing fee differences can materially change long-term portfolio value, which is why costs should be compared in dollars and percentages.
What to compare
Ask what the annual fee actually buys
A local address or the word fiduciary does not explain the total cost, planning depth, or who will own implementation throughout the year.
Cost in dollars
Convert every flat, hourly, project, commission, and AUM charge into an expected annual dollar amount. Ask how it changes as assets or complexity change.
Connected service scope
Confirm whether investments, tax planning, retirement income, insurance, estate guidance, cash flow, and implementation are coordinated or handled separately.
A repeatable process
Ask who monitors the plan, how questions are handled between meetings, what is excluded, and how the relationship changes after major life events.
Households we often help
Complexity comes from overlapping decisions, not a ZIP code
A Minneapolis-area household may need help when income, taxes, investments, benefits, retirement, or family responsibilities begin affecting one another.
Corporate employees
Coordinate bonuses, RSUs, ESPPs, workplace benefits, withholding, concentrated stock, and investment decisions.
High-income families
Connect taxes, investments, insurance, estate decisions, charitable goals, and competing family priorities.
Pre-retirees and retirees
Plan retirement timing, Social Security, Medicare, RMDs, Roth conversions, withdrawals, and portfolio risk together.
Watch and learn
Compare the Fee and the Planning Relationship
Start with three videos selected for this page, then use the controls to explore every published Flames FP video guide.
Videos 1–3 of 14
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Flat Fee vs 1% Financial Advisor
See how a percentage fee changes in dollars as a portfolio grows and what to compare beyond the headline rate. -
The Most Underrated Retirement Account
How a taxable brokerage account can support retirement flexibility alongside tax-advantaged accounts. -
What Nobody Tells You About Earning $400K a Year
See why a $400K income can still leave too little investable margin and how taxes, lifestyle growth, and deliberate investing change the result. -
The 3-Account System for a $250K Income
Use cash reserves, tax-advantaged accounts, and a taxable brokerage account to turn a strong income into a repeatable wealth-building system. -
The 6 Levels of Wealth for $200K+ Households
Use six stages to separate a high income from the wealth it actually creates. -
The RSU Strategy Most $300K Tech Earners Miss
Understand taxation at vesting, check the withholding gap, and turn each RSU vest into a deliberate diversification and household-planning decision. -
How to Decrease Your Tax Bill
Review practical tax-planning decisions that can connect income, investments, retirement, and withholding. -
Should You Invest or Spend Your HSA?
A practical framework for deciding how an HSA fits healthcare costs, taxes, and retirement planning. -
Four Common Backdoor Roth IRA Mistakes
Understand contribution, conversion, pro-rata, and reporting mistakes before they create tax problems. -
Direct Indexing vs ETFs in a Taxable Account
Compare diversification, tax management, cost, and complexity before changing an investment strategy. -
My New Favorite Account to Gift Money to Kids and Grandkids
Compare the new child investment account with 529 plans, custodial accounts, Roth IRAs for earned income, and the family's actual goals. -
Estate Planning Documents You May Need
A plain-English review of wills, powers of attorney, healthcare directives, beneficiaries, and trusts. -
How Much Life Insurance Do You Need?
Think through income replacement, debt, children, childcare, education, and family risk. -
Five Money Mistakes High Earners Make
Common coordination gaps involving taxes, cash flow, investments, insurance, and estate planning.
Common questions
Minneapolis Financial Advisor Questions
Does Flames Financial Planning have a Minneapolis office?
No. Flames Financial Planning is based in Minnetonka, Minnesota. The firm serves Minneapolis-area households through virtual planning; this page describes the service area and does not claim a separate Minneapolis office.
Can someone in Minneapolis work with Flames FP virtually?
Yes. Minneapolis-area households can meet, share documents, use the financial dashboard, and receive ongoing planning through a virtual relationship.
How much does Flames FP cost?
Flames 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.
Does Flames FP charge an AUM fee?
No. Flames FP uses fixed quarterly membership pricing and does not calculate the advisory fee as a percentage of assets under management.
How should I verify a Minneapolis financial advisor?
Review the firm's public disclosures, registration, services, fees, disciplinary history, credentials, and fiduciary role. SEC Investment Adviser Public Disclosure and CFP Board's verification tool are useful primary sources.
Does the Minnesota tax information on this page replace tax advice?
No. The state rates and inflation figures are general public data. Your filing status, income, deductions, investments, and other facts determine how tax rules apply to you.
Next step
Compare a Minneapolis-area planning relationship in actual dollars.
Schedule a discovery meeting to discuss your planning needs, current advisor arrangement, and whether a fixed quarterly Flames membership fits.