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 quarterly memberships instead of AUM fees. Access combines investment management with personalized foundational planning. Planning adds a dedicated Flames advisor, comprehensive planning, tax guidance and return review, and day-one Wealth.com access. Premier keeps the dedicated advisor relationship and adds advanced planning, implementation, professional coordination, priority support, and eligible individual tax-return preparation through a designated independent tax partner.
Fees and fit
Know the quarterly price and annualized cost
The price should be understandable before the relationship begins and should map to planning needs rather than a portfolio percentage.
Flames Access: $150 per quarter
$600 annualized. Includes professionally designed model portfolios, monitoring and rebalancing, supported Altruist account management, Altruist high-yield cash-account access, a connected dashboard, one introductory planning meeting, and personalized foundational guidance by email or secure messaging.
Flames Planning: $900 per quarter
$3,600 annualized. Includes everything in Access, plus a dedicated Flames advisor supported by the planning team, comprehensive planning for straightforward households, proactive tax guidance, review of one completed personal return, Wealth.com estate-document access, and planning support around covered priorities.
Flames Premier: $1,650 per quarter
$6,600 annualized. Includes everything in Planning, with advanced retirement and tax modeling, complex planning and implementation led by your dedicated Flames advisor, professional coordination, priority secure messaging, and eligible individual tax-return preparation through the designated independent tax partner.
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
Planning includes proactive tax guidance and review of one completed return, but not preparation or filing. Eligible Premier members receive covered individual tax-return preparation through the designated independent tax partner.
Retirement and estate
Planning and Premier can coordinate retirement and estate decisions and include day-one access to Wealth.com's client-directed will and trust document platform. Individualized attorney advice is separate.
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, quarterly 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?
Access is $150 per quarter ($600 annualized), Planning is $900 per quarter ($3,600 annualized), and Premier is $1,650 per quarter ($6,600 annualized). Memberships are billed quarterly in advance with no annual commitment.
Does Flames FP charge AUM fees?
No. Investment management is included in each fixed quarterly membership without an additional percentage-of-assets fee.
Does Flames FP manage investments?
Yes. Every tier includes professionally designed model portfolios, monitoring, rebalancing, and supported investment-account management through Altruist, with no minimum investment balance.
Which memberships include tax preparation and filing?
Only eligible Premier memberships include preparation and filing through the designated independent tax partner. Planning includes proactive tax guidance and review of one completed personal return, but no preparation or filing.
Which memberships include estate documents?
Planning and Premier receive day-one access to Wealth.com's client-directed platform for will-based and revocable-living-trust plans for both spouses or partners. Flames FP facilitates the process but does not draft legal documents or provide legal advice; individualized attorney advice is separate.
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 quarterly membership price.