Flames FP questions
Straight answers about pricing, services, and how Flames works.
Use this page to compare the fee model, membership scope, tax and investment services, free dashboard, Minnesota relationship, and what happens next.
Direct answer
What Is Flames Financial Planning?
Flames Financial Planning is a Minnesota-based fee-only fiduciary firm using fixed annual memberships instead of AUM fees. The relationship can coordinate financial planning, investment management, tax planning, retirement planning, estate guidance, and ongoing decisions. Flagship and Signature also include tax filing support, legal document creation, and unlimited updates.
Fees and fit
Know the annual cost and what changes it
The price should be understandable before the relationship begins and should map to planning needs rather than a portfolio percentage.
Foundational: $2,000
For households building their financial base and needing ongoing planning, investment management, and tax-aware coordination.
Flagship: $4,200
For more complex planning across taxes, investments, retirement, equity compensation, legal documents, and ongoing decisions.
Signature: $6,200
For advanced retirement income, tax, legacy, gifting, and family wealth planning needs.
Services
One relationship can coordinate more than a portfolio
Membership scope depends on planning complexity, but the model is built to connect the financial decisions that affect one another.
Investments
Investment management can be included without an AUM fee and coordinated with taxes, retirement, cash flow, and goals.
Taxes
Tax planning is coordinated throughout the year, with tax filing support included in Flagship and Signature.
Retirement and estate
Retirement income, Social Security, Medicare, RMDs, Roth conversions, legal documents, beneficiaries, and family wealth can be coordinated.
Starting point
You can organize before deciding whether to hire anyone
The free dashboard, planning guides, calculators, and video library are available before a paid relationship begins.
Free dashboard
Organize net worth, budgeting, goals, debt, insurance, estate documents, and planning questions.
Explore the dashboardVideos and guides
Learn about fees, taxes, retirement, investing, insurance, estate planning, and common high-earner decisions.
Browse videosDiscovery meeting
Talk through the decisions, likely planning scope, annual price, and whether Flames FP is the right fit.
Schedule a meetingWatch and learn
Prefer to Learn by Watching?
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
How to Decrease Your Tax Bill
Review practical tax-planning decisions that can connect income, investments, retirement, and withholding.
Watch and read the guide
The Most Underrated Retirement Account
How a taxable brokerage account can support retirement flexibility alongside tax-advantaged accounts.
Watch and read the guideCommon questions
Frequently Asked Questions
How much does Flames Financial Planning cost?
Standard annual memberships are $2,000, $4,200, or $6,200 depending on planning complexity and service needs.
Does Flames FP charge AUM fees?
No. Flames FP uses fixed annual membership pricing instead of charging a percentage of assets under management.
Does Flames FP manage investments?
Yes. Investment management can be included and coordinated with taxes, retirement, cash flow, insurance, estate guidance, and other planning decisions.
Which memberships include tax filing support?
Flagship and Signature include tax filing support along with ongoing tax planning.
Which memberships include legal document creation?
Flagship and Signature include legal document creation and unlimited updates within the membership scope.
Is the Flames Financial Dashboard free?
Yes. The dashboard is free to use for organizing net worth, budgeting, goals, debt, insurance, estate documents, and planning questions.
Is Flames FP based in Minnesota?
Yes. Flames FP is Minnesota-based and offers virtual planning flexibility for eligible clients.
How do I get started?
You can begin with the free financial dashboard or schedule a discovery meeting to discuss fit, priorities, service needs, and the likely membership.
Next step
Still deciding whether the model fits?
Use the free dashboard to organize your questions, then schedule a discovery meeting when you are ready to compare the planning work and annual fee.