Financial Advice That Doesn't Cost More As You Grow
Flames Financial Planning charges a fixed annual fee — not a percentage of your portfolio like most advisors charge.
Clear pricing, less conflicts of interest, real guidance.
$0
AUM Fees. Ever.
Flat
Annual Fee Structure
MN
Based, Serves Nationwide
THE BASICS
A flat fee financial advisor provides comprehensive financial planning and investment management for a fixed cost.
Not a percentage of your portfolio.
Instead of paying more as your investments grow, your fee stays consistent and predictable. This structure means your advisor's income isn't tied to how much money you keep with them — it's tied to the quality of advice they give you.
Traditional 1% AUM advisors often have an incentive to encourage you to keep assets invested with them rather than, say, paying down a mortgage or funding a business. Flat fee removes that conflict.
WHY IT MATTERS
Transparent Pricing
You know exactly what you pay before you start — no surprises, no percentage that silently grows with your wealth.
Fewer Conflicts of Interest
Advice is driven by what's best for your situation — not by which products or accounts generate the most fee revenue.
Focus on More Comprehensive Planning
Your advisor is incentivized to give you great financial guidance — and grow the size of your managed portfolio without your fee increasing
Predictable, Budgetable Cost
Treat financial advice like any other professional service — a fixed cost that fits into your annual budget.
Traditional advisors charge around 1% of assets under management. That may sound small — but the compounding cost is significant.
Traditional 1% AUM Model
Your cost grows as you do
$500k portfolio
$1M portfolio
$2M portfolio
~$5,000/year
~$10,000/year
~$20,000/year
Flames Flat Fee Model
Your cost stays fixed
$500k portfolio
$1M portfolio
$2M portfolio
Flat annual fee
Same annual fee
Same annual fee
With a flat fee structure, your cost does not increase as your portfolio grows. This can lead to substantial long-term savings while still receiving comprehensive financial guidance.
Want to see what you'd actually pay?
Schedule a free discovery call and we'll walk through your specific situation — no pressure, no obligation.
IS THIS RIGHT FOR YOU?
Who is a Flat Fee Advisor Best For?
A flat fee structure tends to make the most sense for people who have built meaningful wealth and are paying — or about to pay — a significant amount in AUM fees.
If you have $500k or more in investable assets, you're likely paying $5,000–$20,000+ per year with a 1% AUM advisor. A flat fee could save you tens of thousands over the next decade.
High-Income Families
Dual-income households earning $200k+ who need coordinated tax and investment planning.
$300k - $3M+ in Assets
Investors who have meaningful wealth and are paying (or will soon pay) significant AUM fees.
Professionals with RSU’s/ESPPs
Tech and corporate employees with equity compensation that needs tax-smart management.
Tax-Efficiency Focused
Investors who want planning across investments, taxes, and estate — not just portfolio management.
WHAT YOU GET
Services Included with Flames Financial Planning
Flat fee financial planning isn't just investment management. It's a comprehensive approach to your entire financial picture.
01
Investment Management
Evidence-based portfolio construction and ongoing rebalancing aligned to your goals and timeline
02
Financial Planning
Comprehensive planning covering cash flow, savings strategies, debt, and long-term wealth building
03
Tax Planning & Filing
Proactive tax strategy — Roth conversions, tax-loss harvesting, and coordination with a tax pro for filing
04
Estate Planning
Document creation, beneficiary reviews, trust coordination, and ensuring your wealth transfers efficiently to loved ones
05
Retirement Planning
Social Security optimization, withdrawal strategies, and income planning for a confident retirement
06
Ongoing Advice & Strategy
Proactive guidance as life changes — job transitions, inheritance, equity events, and major decisions
Is a Flat Fee Financial Advisor Worth it?
Schedule a free discovery call and we'll walk through your specific situation — no pressure, no obligation.