Flames Financial Planning | Minnesota
Flat-fee financial planning for your whole financial life.
Investments, tax planning and filing, retirement, estate guidance, and the decisions between them. One coordinated relationship. No 1% AUM fee.
The answer in 20 seconds
One Advisor Relationship for Decisions That Rarely Happen Alone
Investment choices affect taxes. Tax choices affect retirement. Retirement choices affect estate planning and family wealth. Flames FP connects those decisions under a fixed annual membership instead of charging a percentage of your assets.
See how the planning relationship worksWhat's covered in a coordinated planning relationship
Investments
Portfolio guidance connected to taxes, cash flow, risk, and your broader plan.
Tax planning
Year-round tax decisions, with tax filing support in Flagship and Signature.
Retirement
Income, Roth conversions, Social Security, Medicare, RMDs, and withdrawals.
Estate guidance
Legal documents, beneficiaries, legacy decisions, and family coordination.
Ongoing advice
A second set of eyes for decisions that come up throughout the year.
Who Flames FP helps
Financial Planning for Connected Decisions
Flames FP helps Minnesota households coordinate investments, taxes, compensation, retirement, and family decisions instead of handling each one separately.
- High-income familiesCoordinate taxes, goals, and growing wealth.
- Corporate employeesConnect RSUs, stock options, and bonuses to the broader plan.
- Pre-retireesPlan retirement income, Social Security, Medicare, taxes, and withdrawals together.
- Young professionals and familiesBuild cash flow, protection, investments, and long-term goals together.
- Minnesota householdsGet local roots with the flexibility of a virtual planning relationship.
Memberships
Flat Annual Pricing Based on Planning Needs
Your cost is based on the complexity of the planning relationship, not the size of your investment portfolio.
Flames Foundational
$2,000 / year
Billed quarterly in advance
For young professionals, young families, and households building their financial foundation.
Core planning relationship
- Comprehensive financial planning
- Investment management without AUM fees
- Tax-aware planning
- Year-round advisor access
Flames Flagship
$4,200 / year
Billed quarterly in advance
For high-income professionals, physicians, corporate employees, and growing families that want coordinated planning across taxes, investments, and major life decisions.
Everything in Flames Foundational, plus
- Tax planning and tax filing support
- Retirement planning and Roth conversion strategy
- Legal document creation with unlimited updates
- Equity compensation and workplace benefits
Flames Signature
$6,200 / year
Billed quarterly in advance
For pre-retirees, retirees, and households with advanced retirement, tax, and family wealth decisions.
Everything in Flames Flagship, plus
- Advanced retirement income and withdrawal planning
- Social Security, Medicare, and RMD coordination
- Legacy, gifting, and charitable planning
- Family-office style coordination
All three memberships use flat annual pricing with no AUM fee. Flagship and Signature include tax filing support, legal document creation, and unlimited updates. Final fit depends on household planning complexity.
1% AUM vs Flames Signature
See What a Percentage-of-Assets Fee Means Over 10 Years
Move the slider to compare an advisor charging 1% of a growing portfolio with the Flames Signature Membership's fixed $6,200 annual fee. This illustration assumes 8% annual portfolio growth.
Free financial dashboard
See Your Whole Financial Life in One Place
Organize your net worth, cash flow, goals, debt, insurance, and estate documents in one clear view. Start on your own, then bring in a Flames planning team when you want personalized advice or implementation.
Client perspective
Advice Should Feel Personal, Understandable, and Useful
Short excerpts from Google reviews highlight the parts of the relationship that matter most: personal fit, coordinated advice, and trust. See Google reviews.
Personal fit
"Working with Joel has been a life changer."
Advisor relationship
"Financial planning is accessible, personal and enjoyable through Joel's expertise!"
Trust and confidence
"Joel at Flames is an exceptional financial planner who has consistently exceeded our expectations."
Client testimonials from Google reviews. Reviewers were not compensated. Individual experiences vary and are not indicative of future results or outcomes.
Common questions
Clear Answers Before the First Meeting
Pricing, services, and the planning model should be understandable before you ever share a financial statement.
Browse financial planning guidesDoes Flames Financial Planning charge AUM fees?
No. Flames FP uses flat annual membership pricing instead of charging a percentage of assets under management. Your membership fee is based on planning complexity rather than portfolio size.
What can a Flames FP membership include?
Depending on the membership, Flames FP can include financial planning, investment management, tax planning, retirement planning, family wealth coordination, and ongoing advisor access. Flagship and Signature also include tax filing support, legal document creation, and unlimited updates.
How much does Flames Financial Planning cost?
Standard annual memberships are $2,000, $4,200, or $6,200 depending on planning complexity. Flames FP does not charge a percentage of assets under management.
Does Flames FP work with Minnesota clients?
Yes. Flames FP is Minnesota-based and can work with local and virtual clients where permitted by registration and compliance requirements. See the flat-fee financial advisor in Minnesota guide for comparison questions.
Is the Flames Financial Dashboard really free?
Yes. The dashboard is free to use for organizing net worth, budgeting, goals, debt, insurance, estate documents, and planning questions. A paid Flames membership adds personalized advisor judgment, implementation support, and accountability.
Watch and learn
Financial Planning, Explained Clearly
Use the video for the walkthrough, then use the written guide for the details, examples, and next steps.
Flat Fee vs 1% Financial Advisor
See how a percentage fee changes in dollars as a portfolio grows and what to compare beyond the headline rate.
Watch and read the guide
Five Money Mistakes High Earners Make
Common coordination gaps involving taxes, cash flow, investments, insurance, and estate planning.
Watch and read the guide
How to Decrease Your Tax Bill
Review practical tax-planning decisions that can connect income, investments, retirement, and withholding.
Watch and read the guideYour next step
Find Out Whether a Flat-Fee Planning Relationship Fits Your Life
Use a discovery meeting to talk through your priorities, the planning work involved, and which membership may fit. Understand the options before deciding whether to move forward.