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Minnesota flat-fee financial advisor

Financial Planning Without AUM Fees

Flames Financial Planning helps households coordinate investment management, tax planning, tax filing support for applicable memberships, retirement planning, and estate planning guidance under a fixed annual membership.

Schedule a Discovery Call See Flat-Fee Pricing
$2,000-$6,200 Flat annual membership options based on planning complexity.
0% AUM Your fee is not a percentage of your portfolio.
Tax support Tax planning and tax filing support included for applicable memberships.
Minnesota-based Local roots with virtual planning flexibility.

What Flames FP does

One Relationship for the Financial Decisions That Affect Each Other

Investment decisions affect taxes. Tax decisions affect retirement. Retirement decisions affect estate planning and family wealth. Flames FP is designed to connect those decisions in one flat-fee planning relationship.

Flames Financial Planning is a flat-fee financial advisor based in Minnesota. Memberships can include investment management, tax planning, tax filing support for applicable memberships, retirement planning, estate planning guidance, and ongoing advisor access without AUM fees.

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.

Foundational

$2,000 / year

For young professionals, young families, and households building their financial foundation.

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Flagship

$4,200 / year

For high-income professionals, physicians, corporate employees, and growing families that want flat fees, tax planning, and more coordinated planning.

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Signature

$6,200 / year

For pre-retirees, retirees, and households with advanced retirement, tax, and family wealth decisions.

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Services

Planning, Investments, Taxes, Retirement, and Estate Guidance

Flames FP is not built around portfolio management alone. The point is coordinated advice.

Investment Management

Portfolio guidance connected to taxes, retirement, cash flow, and your broader plan.

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Estate Planning Guidance

Beneficiary strategy, legacy planning, family wealth decisions, and attorney coordination.

See the one-flat-fee bundle

Ongoing Advice

Help with decisions that come up during the year, not just a one-time plan.

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Who we help

Built for Households With Real Financial Complexity

Flames FP can be a fit if you want an advisor helping coordinate investments, taxes, retirement, and estate guidance instead of treating each decision separately.

  • High-income families and growing households
  • Physicians and corporate employees
  • Young families building their financial foundation
  • Pre-retirees and retirees planning income and taxes
  • Minnesota households who value virtual planning flexibility
See Who We Help
Family reviewing financial planning decisions with an advisor

Flat fee vs AUM

Why Not Just Pay 1% of Your Portfolio?

A traditional 1% AUM advisor earns more as your portfolio grows. A flat-fee advisor charges a fixed membership fee for the planning relationship.

$500,000 portfolio

A 1% AUM fee is about $5,000 per year.

$1 million portfolio

A 1% AUM fee is about $10,000 per year.

$2 million portfolio

A 1% AUM fee is about $20,000 per year.

Compare Flat Fee vs AUM Read the Cost Guide

Client proof

What Clients Say About Working With Flames FP

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."
Kirsten, Google review

Advisor relationship

"Financial planning is accessible, personal and enjoyable through Joel's expertise!"
Jonny, Google review

Trust and confidence

"Joel at Flames is an exceptional financial planner who has consistently exceeded our expectations."
Anthony, Google review

Client testimonials from Google reviews. Reviewers were not compensated. Individual experiences vary and are not indicative of future results or outcomes.

Learn

Guides for Comparing Financial Advisors

Learn how flat fees compare with AUM fees, what financial advisors cost, and what to ask before hiring an advisor.

Flat Fee vs AUM

Compare a flat annual membership with a traditional percentage-of-assets fee.

Read the guide

Financial Advisor Cost

Understand AUM fees, flat fees, hourly planning, project fees, and commissions.

Read the guide

One Flat Fee Bundle

See how investments, taxes, retirement, and estate guidance can fit under one annual fee.

Read the guide
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FAQ

Common Questions

Does Flames Financial Planning charge AUM fees?

No. Flames FP uses flat annual membership pricing instead of charging a percentage of assets under management.

What does Flames Financial Planning include?

Depending on the membership, Flames FP can include financial planning, investment management, tax planning, tax filing support for applicable memberships, retirement planning, estate planning guidance, and ongoing advisor access.

Can a flat-fee advisor include tax filing and investment management?

Yes. Flames FP can include investment management, tax planning, and tax filing support for applicable memberships under a fixed annual membership instead of an AUM fee.

How much does Flames Financial Planning cost?

Flames FP offers annual memberships of $2,000, $4,200, or $6,200 depending on planning complexity.

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.

Next step

Want to See Whether a Flat-Fee Membership Fits?

Schedule a discovery call to talk through your questions, the planning work involved, and which membership may fit best.

Schedule a Discovery Call See Pricing