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How it works

How Flames Financial Planning Works

Start with a discovery meeting, choose Planning for ongoing comprehensive advice or Premier for advanced planning and implementation, then work with a dedicated Flames advisor to build and update the plan without an AUM fee.

Schedule a Discovery Meeting Compare Planning and Premier

Two ongoing advisory relationships

Choose the Relationship That Matches the Work.

Planning is the comprehensive relationship for established professionals and families. Premier is for high-income, high-net-worth, retiring, or financially complex households that need advanced tax, retirement, investment, estate, and professional coordination. Both include a dedicated Flames advisor and investment management without an AUM fee.

Shared foundation

Included in every Flames membership

  • Dedicated Flames advisor
  • Personalized investment management
  • Financial Dashboard
  • No AUM advisory fee

Comprehensive ongoing planning

Flames Planning

$900 / quarter

$3,600 annualized

For established professionals and families who want investments, taxes, retirement, insurance, and estate planning coordinated.

Included in Flames Planning

  • Comprehensive ongoing financial planning
  • Personalized investment management, monitoring, and rebalancing
  • Proactive tax guidance and review of one completed personal tax return
  • Retirement, insurance, and estate decisions coordinated in one plan
  • Wealth.com will- or trust-based estate documents from day one
  • Ongoing planning conversations, plan updates, and Dashboard updates
Schedule a Planning Meeting

Advanced planning and implementation

Flames Premier

$1,650 / quarter

$6,600 annualized

For high-asset households, pre-retirees, retirees, and families facing advanced tax, retirement-income, estate, or implementation decisions.

Everything in Flames Planning, plus

  • Advanced planning led by your dedicated Flames advisor
  • Ongoing tax projections, Roth-conversion, and capital-gain modeling
  • Retirement-income, Social Security, and withdrawal implementation
  • Eligible tax-return preparation and filing with an independent tax partner
  • Equity-compensation, concentrated-position, and charitable planning
  • Advanced estate strategy, professional coordination, and priority access
Schedule a Premier Meeting

Billed quarterly in advance. No annual commitment.

Compare full membership details → Not sure which fits? Start with discovery →

The process

Four Steps From First Conversation to Ongoing Advice

A clear path from the first conversation to a coordinated plan that keeps moving as your financial life changes.

  1. Schedule a discovery meeting

    Talk through the decisions ahead, what planning work may be useful, and whether an ongoing flat-fee relationship fits.

    Schedule the meeting

  2. Confirm Planning or Premier

    Choose Planning for ongoing comprehensive advice or Premier when advanced modeling, implementation, tax-return preparation, or professional coordination is needed.

    Compare the memberships

  3. Organize and build the coordinated plan

    Gather the household details, then connect investments, taxes, retirement, estate coordination, insurance, cash flow, and family decisions in one roadmap.

    See the coordinated services

  4. Implement and update the plan

    Use the dedicated advisor relationship to act on recommendations, revisit assumptions, and coordinate new decisions as life changes.

    Learn about flat-fee planning

What to compare

What Should You Review Before Hiring Flames FP?

Review the fee, the planning work, and the advisor relationship before deciding whether Flames FP fits.

FAQ

How It Works Questions

What is the first step to work with Flames Financial Planning?

The first step is to schedule a discovery meeting to discuss the decisions ahead, the planning work involved, and whether an ongoing relationship fits.

How does Flames FP decide whether Planning or Premier fits?

Planning fits established professionals and families who want ongoing comprehensive advice. Premier fits high-income, high-net-worth, retiring, or financially complex households that need advanced tax, retirement, investment, estate, or professional coordination. The recommendation is based on the work involved, not a percentage of the portfolio.

Does Flames FP charge an AUM fee?

No. Flames Financial Planning uses flat quarterly membership pricing instead of charging a percentage of assets under management.

What happens after becoming a client?

Flames FP organizes the financial picture, builds coordinated recommendations across investments, taxes, retirement, estate planning, insurance, cash flow, and family decisions, then helps implement and update the plan as priorities change.

Watch and learn

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

Browse all financial planning videosVisit Flames FP on YouTube

Ready to See Whether Flames FP Fits?

Use a discovery meeting to talk through the planning work, confirm whether Planning or Premier fits, and understand the quarterly fee before deciding whether to move forward.

Schedule a Discovery Meeting Compare Planning and Premier