Your financial life, fully covered — without AUM fees
✔ No commissions, ever ✔ Tax filing included
✔0% AUM fee ✔ Works nationwide
WHY FLAMES FP
Financial advice that works for you, not for a commission
Most financial advisors earn more when they sell you more. We don't. Here's what that actually means.
TRADITIONAL ADVISORS
✖ AUM fees that grow with your wealth — pay more just for having more money
✖ Commissions on products — incentivized to sell, not advise
✖ Taxes handled separately — your planner and CPA don't talk
✖ Estate planning costs extra — billed separately, often delayed
✖ Reactive, not proactive — you call them; they don't call you
FLAMES FINANCIAL PLANNING
✔ One flat quarterly fee — doesn't go up as your investments grow
✔ Zero commissions — recommendations based on your needs only
✔ Tax filing included — planning and filing under one roof
✔ Estate planning included — wills, trusts, directives, all covered
✔ Proactive check-ins — your advisor reaches out, not the other way around
WHAT’S INCLUDED
Everything your financial life needs, in one membership
We emphasize a comprehensive membership. Everything you truly need, under one roof
📈 Investment Management
Professional portfolio management with a 0% AUM fee. Low-cost ETFs, tax-loss harvesting, and ongoing rebalancing.
Traditional IRA, Roth IRA, taxable accounts
High-yield cash account
Tax-loss harvesting & direct indexing
Strategic short and long-term allocation
📋Estate Planning
A complete estate plan, included and updated as your life changes. No separate attorney bill for the basics.
Will, trust, healthcare directive
Financial power of attorney
Beneficiary & titling reviews
Legacy and wealth transfer planning
🏖️Retirement Planning
A clear roadmap to, and through, retirement. Social Security optimization, Conversions, and income strategies.
Retirement success probability modeling
Social Security timing strategy
Roth conversion planning
Medicare navigation
🛡️Insurance Analysis
We review your coverage across life, home, auto, and umbrella — and flag gaps before they cost you.
Life insurance needs analysis
Home & auto coverage review
Umbrella policy guidance
Long-term care planning
🧾Tax Planning & Filing
Your tax return is included — not farmed out. We plan and file together, so nothing falls through the cracks.
Full individual tax return preparation
Year-round tax projection & strategy
Roth conversion & capital gains timing
Withholding & estimated payment guidance
🔄Life Planning
Big decisions deserve a financial lens. For life’s biggest moments, we plan it together.
Home purchase & mortgage analysis
529 & education savings strategies
Employee benefits optimization
Couples financial planning
WHO WE WORK WITH
Is Flames Financial Planning right for you?
We work with clients across the US who want a comprehensive financial relationship - not just investment management
01
Pre-retirees & retirees
You're a few years from retirement — or already retired. You want a plan that covers Social Security, Medicare, withdrawals, and legacy, all in one place.
02
Families building wealth
You're managing a mortgage, kids' education, life insurance, and a 401(k) — and want someone who sees the full picture and keeps you on track.
03
High income professionals
You're earning well and want to build a real financial foundation — budgeting, investing, and starting your retirement plan — without paying percentage-based fees.
TRANSPARENT PRICING
Simple, honest fees
No percentage of assets. No commissions. No surprises. Pick the membership that fits where you are in life.
TIER 1
Flames Foundational
For young professionals, couples combining finances, and anyone building a strong financial foundation.
$1,800/annually - billed monthly in advance
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What's included
✔ Monarch Money budgeting app
Track, budget, collaborate, and set goals
✔ Professional investment management
IRA, Roth, taxable, UTMA — 0% AUM fee
✔ Personalized financial planning
Cashflow, retirement, tax strategy, education savings
✔ Dedicated advisor team
Unlimited email support & proactive check-ins
✔ High-yield cash account
Maximize returns on cash savings
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TIER 2
Flames Flagship
For high-income professionals, growing families, pre-retirees, and retirees who want a higher-touch more personal relationship.
$4,500 - $11,000/annually - billed quarterly in advance
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What's included
✔ Everything in Flames Foundational
Builds on Foundational with more comprehensive planning and support
✔ Tax filing included
Will, trust, directives, power of attorney — unlimited updates as life changes
✔ Advanced retirement planning
Social Security, Medicare, Roth conversions, withdrawal strategy
✔ One dedicated advisor
One person who knows your full financial picture
✔ Proactive life planning
Gifting strategies, RMD’s, legacy planning, and more
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Not sure which tier is right for you? Schedule a free intro call and we’ll figure it out together.
Our “Why” - A message from the founder to you:
I started Flames Financial Planning because I believed there was a better way to experience financial advice — one built on transparent pricing, freedom from conflicts of interest, and a genuine relationship with someone who truly understands your full financial picture.
Too often, important areas like investing, tax planning, and estate planning are handled separately. But your financial life doesn’t work in silos — and your advice shouldn’t either.
At Flames FP, these pieces are brought together in one ongoing relationship. When the same advisor helping design your retirement strategy is also thinking about your tax return and your estate plan, decisions become more coordinated, more intentional, and ultimately more effective.
My goal has always been simple: provide thoughtful, high-touch guidance that helps you move forward with clarity, confidence, and peace of mind.
COMMON QUESTIONS
Everything you want to know before getting started
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A flat-fee financial planner charges a fixed monthly or annual fee regardless of how much money you have. This means you pay the same whether your portfolio is $200K or $2M — and your advisor has no incentive to sell you products or grow your account just to grow their own income.
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The Flagship fee is based on the complexity of your situation — primarily your income, investment accounts, and tax filing complexity. A straightforward household has a lower membership. A household with business income, multiple accounts, and complex tax has a higher membership. We determine your exact fee during your intro call, before you commit to anything.
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Yes — Flagship members get full individual tax return preparation included in their membership. This is rare. Most financial planners talk about tax strategy but leave the actual filing to a separate CPA. We do both, which means your planner and your tax return are never out of sync.
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Flagship members receive a comprehensive estate plan — including a will, trust, advance healthcare directive, financial power of attorney, and guardianship documents where applicable. We also coordinate with estate attorneys, review beneficiary designations, and update your documents as your life changes. There's no extra charge for updates.
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Yes — Flames FP works with clients nationwide. All planning is done virtually, which means geography is never a barrier. We have clients across the US.
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A fee-only advisor earns money only from client fees — never from commissions or product sales. This eliminates the conflict of interest that exists when an advisor can earn more by recommending certain products. At Flames FP, the only way we make money is if our advice is valuable enough that you keep paying for it.
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Foundational is designed for younger clients building their financial foundation — it includes budgeting tools, investment management, and financial planning, but not tax filing or estate planning. Flagship is a comprehensive membership for people who need the full picture: investments, taxes, estate planning, and advanced retirement planning — all in one.
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The intro call is free, no-pressure, and takes about 30-60 minutes. We'll talk about your financial situation, your goals, and whether Flames FP is a good fit. If it is, we'll walk you through the onboarding process and determine the right membership tier for you. If it's not a fit, we'll do our best to point you in the right direction.
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Investment management is provided through Altruist, an online custodian. We manage your accounts using low-cost ETFs or portfolios, with ongoing rebalancing, tax-loss harvesting, and a strategy tailored to your goals and time horizon. There is no AUM fee — your flat membership fee covers everything.
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Yes. Memberships are billed monthly or quarterly and you can cancel at any time. We don't lock clients into long-term contracts — we believe the value of the relationship should speak for itself.
READY TO START?
Your financial future deserves more than a percentage fee.
Schedule a free 30-minute call. No commitment, no pressure — just an honest conversation about your financial goals.
Free · 30 minutes · No commitment required