Based in Minnetonka, Minnesota
Flames FP is based in Minnetonka, Minnesota. Nashville relationships run entirely virtually. This page describes the Nashville service area, not a separate Nashville branch.
Financial advisor serving Nashville
A flat-fee financial advisor serving Nashville, TN.
Flames Financial Planning is based in Minnetonka, Minnesota and works with Nashville 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 Nashville-area households; Flames FP does not claim a Nashville 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 Nashville or anywhere else you happen to be.
Direct answer
How Do You Find a Flat-Fee Financial Advisor Serving Nashville?
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 Nashville office—and serves Nashville households virtually. Memberships cost $150, $900, or $1,650 per quarter, with no AUM fee and no annual commitment.
A truthful local relationship
Serving Nashville 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.
Tennessee planning context
What actually differs about planning in Middle Tennessee
Tax rules are set by the state, not the city, and they change which decisions are worth the most. The full Tennessee picture, with sources, is on the Tennessee page. How those rules bear on withdrawal order, Roth-conversion timing and Medicare premiums is set out in the retirement tax planning overview.
Tennessee tax treatment
Tennessee has no individual income tax, its constitution bars any tax on earned income, and the Hall tax on interest and dividends was repealed for tax years from 2021. There is no inheritance tax for deaths after 2015 and no gift tax. For a Nashville household the plan is federal-only, and for the many arrivals from taxing states it is about the state they left.
Retirement income: Untaxed at the state level
Pensions, IRA and 401(k) withdrawals, Roth conversions, Social Security and capital gains face no Tennessee tax. The only tax Tennessee ever levied on personal investment income, the Hall tax, no longer applies.
Estates: None: inheritance tax ended for deaths after 2015; gift tax repealed 2012
Tennessee's inheritance tax is not imposed on the estates of people who died after December 31, 2015, and the Department of Revenue instructs that no return be filed for later deaths. The gift tax was repealed effective January 1, 2012. Only the federal rules apply.
How local households are paid
Nashville is paid by HCA Healthcare's headquarters and the healthcare-services industry that has grown around it, by Vanderbilt University Medical Center, by Nissan North America's headquarters in Franklin and Asurion's downtown, by Amazon's operations center, and by the music and entertainment business. Healthcare-services restricted stock and deferred compensation, hospital 403(b) plans and irregular creative income are the patterns here, with a steady inflow of households from California, Illinois and the Northeast.
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 Tennessee Tax Interacts With a Nashville Household’s Federal Return
With no state income tax, property tax is the only meaningful state-and-local deduction and the federal cap rarely binds. Federal planning is the whole game for a Tennessee 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
Tennessee planning opportunities
Things that are worth doing in Tennessee that would not be worth doing, or would work differently, somewhere else.
Roth conversions and required distributions are federal-only
With no income tax, a conversion, a required distribution, a pension or a realized gain adds nothing to a Tennessee resident's state bill; the decision turns entirely on federal brackets, Medicare tiers and Social Security taxation. For a household arriving from a taxing state, the work is documenting the change of domicile so the former state accepts it.
Property tax relief and freeze for homeowners 65 and older
Tennessee's Tax Relief programme reimburses part of the property tax for low-income elderly and disabled homeowners, and the local-option Tax Freeze locks a qualifying senior's bill at the amount for the year they qualify. For Davidson County's 2025 tax year the income limits were $37,530 for relief and $61,920 for the freeze; the limits are republished each year.
Sales tax is where the state collects
The general state sales tax is 7%, food is taxed at 4%, and local option rates run up to 2.75%, so combined rates reach 9.75%.
Business owners still pay franchise and excise tax
Tennessee has no income tax on people, but a business chartered or doing business in the state pays the franchise tax (0.25% of net worth, $100 minimum) and the excise tax (6.5% of net earnings), and pass-through entities do not escape either. For an owner planning a sale or a retirement, that is the state layer that still applies.
The first meeting
What the first meeting covers for a Nashville household
A discovery meeting is a conversation, not a pitch. For households here it tends to get to these three things.
Restricted stock and deferred compensation at a healthcare or corporate employer, and a federal-bracket-driven schedule for reducing concentration.
For arrivals from a taxing state: documenting domicile, what the former state can still tax, and using the no-tax years for Roth conversions.
For irregular income: cash-flow and estimated-tax structure, and which account each year's saving should go to.
Who this fits
Households Flames FP often helps in Nashville
The common thread is a household with enough complexity that the decisions interact, and enough assets that a percentage fee gets expensive.
Corporate employees
See how the planning relationship works for this situation, what is included, and what it costs.
Pre-retirees
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
Nashville Financial Advisor Questions
Does Flames Financial Planning have a Nashville office?
No. Flames Financial Planning is based in Minnetonka, Minnesota, and serves Nashville households through a virtual planning relationship. This page describes the service area and does not claim a Nashville office.
Can someone in Nashville work with Flames FP virtually?
Yes. Nashville 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 Nashville 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 Nashville 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 Tennessee 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 Tennessee rules themselves are set out on the Tennessee page.
Next step
Compare a Nashville-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.