About Flames Financial Planning
Flat-Fee Financial Advice Built Around Real Life
Flames Financial Planning is a Minnesota-based financial planning firm helping households coordinate investments, taxes, retirement planning, and estate planning guidance without AUM fees.
Who we are
A Financial Planning Firm for People Who Want Clarity
Flames FP was built for households that want a clear planning relationship, transparent pricing, and an advisor who can connect the pieces of their financial life.
Instead of charging a percentage of assets under management, Flames Financial Planning uses fixed annual memberships based on the level of planning work needed.
What makes Flames different
Advice That Is Not Priced as a Percentage of Your Portfolio
Many traditional advisors charge AUM fees, which means the advisory fee rises as the portfolio grows. Flames FP is built around a flat annual membership instead.
Transparent pricing
Membership options are fixed annual fees based on planning complexity, not a percentage of your investments.
See pricingCoordinated planning
Investments, taxes, retirement, and estate planning guidance are handled as connected decisions.
Explore servicesMinnesota roots, virtual flexibility
Flames FP is based in Minnesota and works well for households that prefer a local advisor with virtual access.
Minnesota planningPlanning philosophy
The Point Is Better Decisions
Financial planning should help you make decisions with more confidence. That means understanding tradeoffs, taxes, timing, risk, and how one choice affects the rest of the plan.
Start with the household
The plan should fit the people, not the other way around. Goals, values, family needs, and cash flow come first.
Connect taxes and investments
Investment decisions often create tax consequences. Tax-aware planning helps avoid treating them separately.
Plan for the next decision
The best plan is useful when life changes, markets move, taxes shift, or a new decision shows up.
How we help
A Planning Relationship, Not Just a Portfolio
Flames FP can help coordinate the financial decisions that often overlap.
Investments
Portfolio management and investment guidance connected to your broader financial plan.
Taxes
Tax planning and tax filing support included in Flagship and Signature, coordinated with investment and retirement decisions.
Retirement
Retirement income planning, Roth conversions, Social Security, Medicare, RMDs, and withdrawal strategy.
Client proof
Trust Is Built Through the Relationship
Flames FP is designed around personal advice, clear communication, and coordinated planning. These are short excerpts from client reviews on Flames FP's Google Business Profile. See Google reviews.
"Joel is a one of a kind financial planner."
"Working with Joel has been a life changer."
"Financial planning is accessible, personal and enjoyable through Joel's expertise!"
Client testimonials from Google reviews. Reviewers were not compensated. Individual experiences vary and are not indicative of future results or outcomes.
FAQ
About Flames FP Questions
Who is Joel Miller, CFP?
Joel Miller is the founder of Flames Financial Planning, a Minnesota-based flat-fee financial planning firm focused on coordinated advice across investments, taxes, retirement planning, and estate planning guidance.
What is Flames Financial Planning?
Flames Financial Planning is a flat-fee financial planning firm that offers fixed annual memberships instead of charging a percentage of assets under management.
Is Flames FP based in Minnesota?
Yes. Flames FP is Minnesota-based and can be a fit for households that want local roots with virtual planning flexibility.
Does Flames FP charge AUM fees?
No. Flames FP uses fixed annual membership pricing instead of charging a percentage of assets under management.
Next step
Want to See Whether Flames FP Is the Right Fit?
Schedule a discovery call to talk through your questions, your planning needs, and which membership may fit best.