How much do Flames memberships cost?
Flames Planning is $900 per quarter and Flames Premier is $1,650 per quarter. These are the two ongoing advisory relationships, annualized at $3,600 and $6,600. Each membership is billed quarterly in advance.
Is there an annual commitment?
No. Each paid quarter is a three-month commitment. Membership continues quarter to quarter unless canceled, and you may cancel at any time to prevent the next quarterly renewal. Service continues through the paid quarter, and quarterly fees are not prorated or refunded.
Does Flames charge an AUM fee or require a minimum portfolio?
No. Investment management is included without a percentage-based AUM advisory fee, and there is no minimum investment balance. Underlying fund expenses and applicable custodian, platform, or third-party strategy fees may still apply.
How are investment accounts and Altruist handled?
Supported investment accounts are held through Altruist, an independent custodian and platform. Access to Altruist's cash solution is subject to eligibility, variable rates, provider terms, and availability. Fund expenses and any applicable custodian, provider, platform, or strategy fees are separate from the Flames membership fee.
Does Flames Planning include tax-return preparation?
No. Planning includes proactive tax-planning guidance and a planning-focused review of one completed personal tax return. It does not include tax-return preparation, filing, amendments, or representation.
Who prepares Premier tax returns, and when must I join?
To qualify, a client must join Premier by September 30 of the applicable tax year and remain an active Premier member through preparation and filing. The return is prepared and signed under a separate engagement with Flames' designated independent tax partner, currently Fifteenth. Flames provides planning and coordination but does not prepare or sign the return.
What tax returns are included with Flames Premier?
The standard benefit includes one federal individual income-tax return and all required state returns for the individual filer. K-1s, Schedule C or E, rental properties, equity compensation, and cryptocurrency reporting within that individual return are included.
If spouses file separately, the membership includes one federal return; a second federal return is separate. Business, trust, estate, gift, amended, and prior-year returns are excluded, as are tax-notice or audit representation, bookkeeping, and records cleanup. Work outside the included individual-return scope requires a separate engagement and may involve separate fees.
Late documents do not create an additional late-document fee. If information arrives too late for the original filing deadline, the independent tax partner may file an extension and cannot guarantee completion by the original deadline.
How do the included estate documents work?
Planning and Premier members receive day-one access to Wealth.com's client-directed estate-document platform. The household benefit supports both spouses or partners and includes standard will-based and revocable-living-trust-based plans. Flames facilitates the process and incorporates relevant planning inputs but does not provide legal advice or draft legal documents. Individualized attorney advice and outside legal fees are separate.
Platform access and future document updates end when the membership ends. A client may retain completed documents already downloaded or executed, subject to Wealth.com's terms.
