Flat Fee Financial Advisor
(No AUM Fees)

A flat fee financial advisor charges a fixed annual or monthly fee instead of a percentage of your investments (assets under management, or AUM). This approach provides transparent pricing and can significantly reduce long-term costs compared to traditional advisors who charge around 1% of assets.

What Is a Flat Fee Financial Advisor?

A flat fee financial advisor provides comprehensive financial planning and investment management for a fixed cost rather than charging a percentage of your portfolio.

Instead of paying more as your investments grow, your fee remains consistent and predictable.

This structure allows for:

  • Transparent pricing

  • Fewer conflicts of interest

  • A focus on advice, not asset gathering

Who Is a Flat Fee Advisor Best For?

A flat fee financial advisor may be a good fit for:

  • High-income individuals and families

  • Investors with $300k–$2M+ in assets

  • Professionals with equity compensation (RSUs, ESPPs)

  • People looking for tax-efficient investment strategies

  • Those who want transparent, predictable pricing

How Flames Financial Planning Works

At Flames Financial Planning, we operate on a flat annual fee rather than charging a percentage of your investments.

Our goal is to provide:

  • Clear, transparent pricing

  • Proactive financial guidance

  • Fully integrated planning across investments, taxes, and estate considerations

We work with individuals and families across the United States, with many clients based in Minnesota.

Flat Fee vs 1% AUM Advisors

Traditional financial advisors often charge around 1% of assets under management (AUM). While that may sound small, the cost can grow significantly over time.

For example:

  • $500,000 portfolio → ~$5,000 per year

  • $1,000,000 portfolio → ~$10,000 per year

  • $2,000,000 portfolio → ~$20,000 per year

With a flat fee advisor, your cost does not increase as your portfolio grows.

This can lead to substantial long-term savings while still receiving comprehensive financial guidance.

What Services Are Included?

Flat fee financial planning can include:

  • Investment management

  • Financial planning

  • Tax planning and coordination

  • Estate planning guidance

  • Retirement planning

  • Ongoing advice and strategy

At Flames Financial Planning, everything is designed to work together so your financial life is fully coordinated.

Is a Flat Fee Financial Advisor Worth It?

For many investors, a flat fee structure can be more cost-effective over time—especially as assets grow.

However, the right approach depends on your specific situation, goals, and preferences.

The most important factor is working with an advisor who provides clear guidance, thoughtful planning, and a structure that aligns with your long-term interests.

Want to see if a flat fee approach makes sense for you?

We offer conversations to help you evaluate your current strategy and determine whether a flat fee structure aligns with your goals.

👉 Schedule a conversation.