Based in Minnetonka, Minnesota
Flames FP is based in Minnetonka, Minnesota. Las Vegas relationships run entirely virtually. This page describes the Las Vegas service area, not a separate Las Vegas branch.
Financial advisor serving Las Vegas
A flat-fee financial advisor serving Las Vegas, NV.
Flames Financial Planning is based in Minnetonka, Minnesota and works with Las Vegas households through a virtual planning relationship. Fixed quarterly memberships coordinate investments, taxes, retirement, and estate guidance without an AUM fee.
Minnetonka-basedA Minnesota firm serving Las Vegas-area households; Flames FP does not claim a Las Vegas office.
$150–$1,650/qtrQuarterly memberships billed in advance, with no annual commitment.
0% AUMThe advisory fee is not calculated as a percentage of the portfolio.
Virtual planningMeet and collaborate from Las Vegas or anywhere else you happen to be.
Direct answer
How Do You Find a Flat-Fee Financial Advisor Serving Las Vegas?
Compare each advisor’s registration, fiduciary role, total annualized cost in dollars, the services included, and who you actually meet with. Flames Financial Planning is based in Minnetonka—not at a Las Vegas office—and serves Las Vegas households virtually. Memberships cost $150, $900, or $1,650 per quarter, with no AUM fee and no annual commitment.
A truthful local relationship
Serving Las Vegas without inventing an office there
A location page should tell you who is actually available, where the firm sits, and how the relationship works day to day.
Built for virtual collaboration
Meetings, document sharing, dashboard access, and ongoing planning all happen remotely, so where you live does not limit the advice you get.
Verify before you hire anyone
Check any advisor’s registration, services, disciplinary history, and fee disclosures before you sign. That applies to this firm as much as any other.
Nevada planning context
What actually differs about planning in the Las Vegas Valley
Tax rules are set by the state, not the city, and they change which decisions are worth the most. The full Nevada picture, with sources, is on the Nevada page. How those rules bear on withdrawal order, Roth-conversion timing and Medicare premiums is set out in the retirement tax planning overview.
Nevada tax treatment
Nevada has no personal income tax, and its constitution prohibits one, so pensions, IRA withdrawals, Roth conversions, Social Security and capital gains face no state tax; there has been no estate tax filing for deaths since 2005. Property tax increases on a primary residence are capped at 3% a year. For the many households arriving from California, the planning is domicile first and federal timing second.
Retirement income: Untaxed at the state level
Pensions, IRA and 401(k) withdrawals, Roth conversions, Social Security, interest, dividends and capital gains face no Nevada tax, because the constitution bars any tax on personal income.
Estates: No estate tax filing for deaths since 2005
Nevada's estate tax was a pick-up tax equal to the federal credit for state death taxes; with that credit gone, the Department of Taxation does not require an estate tax filing for deaths on or after January 1, 2005. Only the federal exclusion applies to a Nevada estate today.
How local households are paid
Las Vegas is paid by the gaming and hospitality companies headquartered on and around the Strip (MGM Resorts, Caesars, Wynn and Las Vegas Sands are all public), by Allegiant Air, by a growing healthcare and logistics sector, and by a large population of retirees and relocated Californians. Restricted stock and deferred compensation at the gaming companies sit beside a steady flow of households arriving with California-earned equity and pensions.
Rates change; check before you act
Brackets, thresholds, and retirement-income rules are revised regularly. The figures above are for tax year 2026. Treat them as a starting point and confirm the current year before making a decision on them.
Federal and state, together
How Nevada Tax Interacts With a Las Vegas Household’s Federal Return
With no state income tax, property tax is the only state-and-local deduction and the federal cap rarely binds. Federal planning is the whole game for a Nevada household.
For tax year 2026 the federal deduction for state and local taxes is capped at $40,400, shrinking above $500,000 of modified adjusted gross income to a floor of $10,000. IRS, Instructions for Schedule A (2025), line 5e.
Worth doing here
Nevada planning opportunities
Things that are worth doing in Nevada that would not be worth doing, or would work differently, somewhere else.
Roth conversions and required distributions are federal-only
A conversion, a required distribution or a realized gain adds nothing to a Nevada resident's state tax, so conversion sizing depends only on federal brackets, Medicare tiers and Social Security taxation. The years after a move from a taxing state are the natural window, once domicile is clearly established.
Property tax increases capped at 3% on a primary residence
Under NRS 361.4723 the year-over-year increase in the property tax bill on an owner-occupied primary residence is capped at 3%; other property is capped at up to 8%. Only one Nevada property can be designated the primary residence, and new construction or a change of use resets the cap.
Sales tax and the Commerce Tax
The base state sales tax is 6.85%, with county additions taking Clark County to 8.375%. Businesses with Nevada gross revenue above $4 million owe the Commerce Tax at industry-specific rates; most households' small businesses fall under the threshold.
Nevada asset-protection trusts
Nevada permits a settlor to be a beneficiary of an irrevocable spendthrift trust under NRS Chapter 166 if the trust does not require distributions to the settlor, was not created to hinder known creditors and has a Nevada trustee. This is a legal strategy that needs an attorney; it is not a tax feature.
The first meeting
What the first meeting covers for a Las Vegas household
A discovery meeting is a conversation, not a pitch. For households here it tends to get to these three things.
For arrivals from California: documenting the change of domicile, what California can still tax of equity and deferred compensation earned there, and when.
Using the no-state-tax years for Roth conversions before Social Security and required distributions.
Restricted stock and deferred compensation at a gaming employer: vesting, payout schedules and concentration.
Who this fits
Households Flames FP often helps in Las Vegas
The common thread is a household with enough complexity that the decisions interact, and enough assets that a percentage fee gets expensive.
Pre-retirees
See how the planning relationship works for this situation, what is included, and what it costs.
High-income families
See how the planning relationship works for this situation, what is included, and what it costs.
Anyone comparing a 1% fee against a flat one
Run your own numbers before talking to anyone, including this firm. The calculator converts a percentage into the dollars it actually costs over time.
Watch and learn
Financial Planning, Explained Clearly
Start with three videos selected for this page, then use the controls to explore every published Flames FP video guide.
Videos 1–3 of 14
What Nobody Tells You About Earning $400K a Year
See why a $400K income can still leave too little investable margin and how taxes, lifestyle growth, and deliberate investing change the result.
The RSU Strategy Most $300K Tech Earners Miss
Understand taxation at vesting, check the withholding gap, and turn each RSU vest into a deliberate diversification and household-planning decision.
The 3-Account System for a $250K Income
Use cash reserves, tax-advantaged accounts, and a taxable brokerage account to turn a strong income into a repeatable wealth-building system.
The 6 Levels of Wealth for $200K+ Households
Use six stages to separate a high income from the wealth it actually creates.
The Most Underrated Retirement Account
How a taxable brokerage account can support retirement flexibility alongside tax-advantaged accounts.
How to Decrease Your Tax Bill
Review practical tax-planning decisions that can connect income, investments, retirement, and withholding.
Should You Invest or Spend Your HSA?
A practical framework for deciding how an HSA fits healthcare costs, taxes, and retirement planning.
Four Common Backdoor Roth IRA Mistakes
Understand contribution, conversion, pro-rata, and reporting mistakes before they create tax problems.
Direct Indexing vs ETFs in a Taxable Account
Compare diversification, tax management, cost, and complexity before changing an investment strategy.
My New Favorite Account to Gift Money to Kids and Grandkids
Compare the new child investment account with 529 plans, custodial accounts, Roth IRAs for earned income, and the family's actual goals.
Estate Planning Documents You May Need
A plain-English review of wills, powers of attorney, healthcare directives, beneficiaries, and trusts.
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.
How Much Life Insurance Do You Need?
Think through income replacement, debt, children, childcare, education, and family risk.
Five Money Mistakes High Earners Make
Common coordination gaps involving taxes, cash flow, investments, insurance, and estate planning.
Common questions
Las Vegas Financial Advisor Questions
Does Flames Financial Planning have a Las Vegas office?
No. Flames Financial Planning is based in Minnetonka, Minnesota, and serves Las Vegas households through a virtual planning relationship. This page describes the service area and does not claim a Las Vegas office.
Can someone in Las Vegas work with Flames FP virtually?
Yes. Las Vegas households can meet by video, share documents securely, use the financial dashboard, and receive ongoing planning without travelling. Flames FP serves clients nationwide where permitted.
How much does Flames FP cost?
Flames Access is $150 per quarter ($600 annualized), Planning is $900 per quarter ($3600 annualized), and Premier is $1650 per quarter ($6600 annualized). Memberships are billed quarterly in advance with no annual commitment.
Does Flames FP charge an AUM fee to Las Vegas clients?
No. The advisory fee is a flat quarterly amount tied to the planning work, not a percentage of the portfolio, so it does not increase as investments grow.
What should a Las Vegas household compare between advisors?
Compare the total annual cost in dollars rather than percentages, exactly what is included at that price, whether the advisor is a fiduciary and fee-only, and who you actually meet with. Then verify the firm's registration and disciplinary history on the SEC's adviser search.
Is Nevada tax planning part of the relationship?
Yes. State tax treatment shapes withdrawal order, Roth-conversion timing, and where investments are best held. Planning includes tax guidance and review of a completed return; Premier adds tax projections and preparation and filing through an independent tax partner. The Nevada rules themselves are set out on the Nevada page.
Next step
Compare a Las Vegas-area planning relationship in actual dollars.
A discovery meeting covers your situation, your current advisor arrangement if you have one, and whether a fixed quarterly membership is a better fit than what you are paying now.