Based in Minnetonka, Minnesota
Flames FP is based in Minnetonka, Minnesota. Naples relationships run entirely virtually. This page describes the Naples service area, not a separate Naples branch.
Financial advisor serving Naples
A flat-fee financial advisor serving Naples, FL.
Flames Financial Planning is based in Minnetonka, Minnesota and works with Naples households through a virtual planning relationship. Fixed quarterly memberships coordinate investments, taxes, retirement, and estate guidance without an AUM fee.
Minnetonka-basedA Minnesota firm serving Naples-area households; Flames FP does not claim a Naples 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 Naples or anywhere else you happen to be.
Direct answer
How Do You Find a Flat-Fee Financial Advisor Serving Naples?
Compare each advisor’s registration, fiduciary role, total annualized cost in dollars, the services included, and who you actually meet with. Flames Financial Planning is based in Minnetonka—not at a Naples office—and serves Naples households virtually. Memberships cost $150, $900, or $1,650 per quarter, with no AUM fee and no annual commitment.
A truthful local relationship
Serving Naples without inventing an office there
A location page should tell you who is actually available, where the firm sits, and how the relationship works day to day.
Built for virtual collaboration
Meetings, document sharing, dashboard access, and ongoing planning all happen remotely, so where you live does not limit the advice you get.
Verify before you hire anyone
Check any advisor’s registration, services, disciplinary history, and fee disclosures before you sign. That applies to this firm as much as any other.
Florida planning context
What actually differs about planning in Southwest Florida
Tax rules are set by the state, not the city, and they change which decisions are worth the most. The full Florida picture, with sources, is on the Florida page. How those rules bear on withdrawal order, Roth-conversion timing and Medicare premiums is set out in the retirement tax planning overview.
Florida tax treatment
Florida has no personal income tax and no estate, inheritance or gift tax. Naples draws a large share of its residents from Minnesota and the upper Midwest, and for them the planning is about the state they left: Minnesota taxes most retirement income at up to 9.85% and has a $3 million estate tax, so the year the move becomes real, and what Minnesota can still reach afterwards, decide a great deal.
Retirement income: Untaxed at the state level
Pensions, IRA and 401(k) withdrawals and Social Security face no Florida tax.
Estates: None
Florida has no estate, inheritance or gift tax. Only the federal exclusion — $15 million per person for deaths in 2026 — applies.
How local households are paid
Naples is a retirement and second-home market first: a large population of retired executives, business owners and professionals, many of them from Minnesota, Illinois, Ohio and Michigan, alongside the NCH Healthcare System, Arthrex's medical-device headquarters and the professional firms that serve wealthy households. The typical planning household here has already stopped working and holds a large tax-deferred balance, a brokerage account with decades of gain and a house in two states.
Rates change; check before you act
Brackets, thresholds, and retirement-income rules are revised regularly. The figures above are for tax year 2026. Treat them as a starting point and confirm the current year before making a decision on them.
Federal and state, together
How Florida Tax Interacts With a Naples Household’s Federal Return
With no state income tax, the federal deduction for state and local taxes is about property tax alone, and the cap rarely binds. Federal planning is the whole game for a Florida household.
For tax year 2026 the federal deduction for state and local taxes is capped at $40,400, shrinking above $500,000 of modified adjusted gross income to a floor of $10,000. IRS, Instructions for Schedule A (2025), line 5e.
Worth doing here
Florida planning opportunities
Things that are worth doing in Florida that would not be worth doing, or would work differently, somewhere else.
Establishing domicile properly
The state you left will look hard at whether you really moved. Where you spend your days, where your documents and doctors are, and when the change happened all matter, and the year of the move is usually the one that gets audited.
Roth conversions in the low-tax years
With no state layer, the years between retiring and required distributions are the cheapest time to convert tax-deferred savings, and that decision is now purely about federal brackets.
Equity granted somewhere else
Many South Florida households arrive holding equity awards granted while they lived in another state. That state may still tax them when they vest or are exercised, which is its own planning problem.
The first meeting
What the first meeting covers for a Naples household
A discovery meeting is a conversation, not a pitch. For households here it tends to get to these three things.
Domicile: where the days are spent, where the documents, doctors and voter registration are, and whether the former state would agree the move happened.
A withdrawal and Roth-conversion plan that uses Florida's no-tax years before required distributions begin.
The estate plan for a household with property in two states, and whether the former state's estate tax still reaches part of it.
Who this fits
Households Flames FP often helps in Naples
The common thread is a household with enough complexity that the decisions interact, and enough assets that a percentage fee gets expensive.
Pre-retirees
See how the planning relationship works for this situation, what is included, and what it costs.
High-income families
See how the planning relationship works for this situation, what is included, and what it costs.
Anyone comparing a 1% fee against a flat one
Run your own numbers before talking to anyone, including this firm. The calculator converts a percentage into the dollars it actually costs over time.
Watch and learn
Financial Planning, Explained Clearly
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
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 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.
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 Most Underrated Retirement Account
How a taxable brokerage account can support retirement flexibility alongside tax-advantaged accounts.
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.
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.
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
Naples Financial Advisor Questions
Does Flames Financial Planning have a Naples office?
No. Flames Financial Planning is based in Minnetonka, Minnesota, and serves Naples households through a virtual planning relationship. This page describes the service area and does not claim a Naples office.
Can someone in Naples work with Flames FP virtually?
Yes. Naples households can meet by video, share documents securely, use the financial dashboard, and receive ongoing planning without travelling. Flames FP serves clients nationwide where permitted.
How much does Flames FP cost?
Flames Access is $150 per quarter ($600 annualized), Planning is $900 per quarter ($3600 annualized), and Premier is $1650 per quarter ($6600 annualized). Memberships are billed quarterly in advance with no annual commitment.
Does Flames FP charge an AUM fee to Naples clients?
No. The advisory fee is a flat quarterly amount tied to the planning work, not a percentage of the portfolio, so it does not increase as investments grow.
What should a Naples household compare between advisors?
Compare the total annual cost in dollars rather than percentages, exactly what is included at that price, whether the advisor is a fiduciary and fee-only, and who you actually meet with. Then verify the firm's registration and disciplinary history on the SEC's adviser search.
Is Florida tax planning part of the relationship?
Yes. State tax treatment shapes withdrawal order, Roth-conversion timing, and where investments are best held. Planning includes tax guidance and review of a completed return; Premier adds tax projections and preparation and filing through an independent tax partner. The Florida rules themselves are set out on the Florida page.
Next step
Compare a Naples-area planning relationship in actual dollars.
A discovery meeting covers your situation, your current advisor arrangement if you have one, and whether a fixed quarterly membership is a better fit than what you are paying now.