How it works
How Flames Financial Planning Works
Flames FP uses a straightforward flat-fee process: organize your financial picture, meet to understand fit, choose the right membership, build the plan, and keep the work updated throughout the year.
Quick answer
What Is the Flames FP Process?
Clients organize the household details, talk through goals and planning complexity, choose a flat annual membership, then work with Joel Miller, CFP, on investments, taxes, retirement, estate coordination, and ongoing decisions without an AUM fee.
The process
Five Steps From First Look to Ongoing Advice
The process is designed for households that want coordinated advice without having the advisor fee rise automatically as their portfolio grows.
Organize the financial picture
Use the free dashboard or your own records to gather net worth, cash flow, debt, goals, insurance, estate documents, tax details, and current accounts.
Open the dashboardSchedule a discovery meeting
Talk through your situation, what you want help deciding, and whether a flat-fee fiduciary relationship is the right fit.
Get startedChoose the membership
Pick the flat annual membership that matches the planning work, not your portfolio size: Foundational, Flagship, or Signature.
Compare pricingBuild the coordinated plan
Connect investments, taxes, retirement, estate coordination, insurance, cash flow, and family wealth decisions into one planning roadmap.
Review servicesImplement and update year-round
Use ongoing advice to handle decisions as life changes. Flagship and Signature include tax filing support, legal document creation, and unlimited updates.
Learn about flat-fee planningWhat to compare
What Should You Review Before Hiring Flames FP?
Pricing
Review the $2,000, $4,200, and $6,200 annual membership levels and what each includes.
View PricingServices
See how financial planning, investment management, tax planning, retirement planning, and estate coordination fit together.
View ServicesAbout
Learn about Joel Miller, CFP, the fee-only fiduciary approach, and why Flames FP uses fixed annual memberships.
Meet JoelFAQ
How It Works Questions
What is the first step to work with Flames Financial Planning?
The first step is to schedule a discovery meeting. Before or after that meeting, you can organize your financial picture using the free Flames Financial Dashboard or your own records.
How does Flames FP decide which membership fits?
The membership is based on planning complexity and the work involved, not the amount of money in your portfolio. Pricing is listed on the Pricing page.
Does Flames FP charge an AUM fee?
No. Flames Financial Planning uses flat annual membership pricing instead of charging a percentage of assets under management.
What happens after becoming a client?
Flames FP coordinates the planning work across investments, taxes, retirement, estate planning, insurance, cash flow, and family decisions, then keeps the plan updated as priorities change.
Ready to See Whether Flames FP Fits?
Start with pricing, then schedule a discovery meeting if the flat-fee model matches the kind of advice you want.