The Future of Financial Planning

Supported investment accounts are held through Altruist, the independent custodian and platform used for Flames-managed portfolios. Flames FP can consider outside accounts in the planning process but cannot directly trade, rebalance, or manage assets that remain outside Altruist.

Only Flames Premier includes eligible individual tax-return preparation and filing. A client must join Premier by September 30 of the applicable tax year and remain active through preparation and filing. The included scope is one federal individual return and all required state individual returns, including K-1s, Schedule C or E, rental properties, equity compensation, and cryptocurrency reporting within that individual return. If spouses file separately, one federal return is included and the second is separate. Business, trust, estate, gift, amended, and prior-year returns are excluded, as are tax-notice or audit representation, bookkeeping, and records cleanup.

Flames' designated independent tax partner, currently Fifteenth, prepares and signs an eligible Premier return under a separate tax engagement. Flames FP coordinates planning strategy but does not prepare or sign the return.

There are currently no CPAs or Enrolled Agents on staff at Flames Financial Planning. Planning includes proactive tax guidance and review of one completed personal return, but not preparation or filing. Premier coordinates eligible individual tax preparation through the designated independent tax partner.

There are currently no attorneys on staff at Flames Financial Planning. Planning and Premier members receive day-one access to Wealth.com, a client-directed estate-document platform supporting standard will-based and revocable-trust-based plans for both spouses or partners in the household. Flames FP facilitates the process and incorporates planning inputs but does not provide legal advice or draft legal documents. Individualized attorney advice is separate.

Supported investment accounts are held through Altruist. Planning and Premier include a professionally designed Flames model portfolio selected for the client's objectives and risk profile, along with monitoring, rebalancing, and account support. The Flames membership carries no additional AUM advisory fee, although fund and applicable provider fees remain separate.

Yes. Clients have access through Altruist's desktop and mobile platforms to view accounts, monitor performance, access documents, and withdraw available cash when needed.

Flames FP is usually not the best fit for someone who only wants a single transactional answer. The membership is designed for households that want coordinated decision-making across investments, taxes, estate planning, retirement, cash flow, and major life changes.