Flat annual membership pricing
Memberships & Pricing Without AUM Fees
Flames Financial Planning charges fixed annual membership fees based on planning complexity, not the size of your portfolio. Limited-time pricing through 7/1/2026 lowers Flagship to $4,000 and Signature to $6,000 for new memberships.
Simple fee model
What Does Flames Financial Planning Cost?
Flames FP uses fixed annual memberships instead of commissions or a percentage of assets under management. That means a larger portfolio does not automatically create a larger advisory fee.
The short answer: standard annual memberships are $2,000, $4,200, or $6,200 depending on whether your household needs foundational planning, more complex ongoing planning, or advanced retirement and tax strategy. New Flagship and Signature memberships started by 7/1/2026 receive $200 off, reducing those tiers to $4,000 and $6,000.
Membership options
Choose the Membership That Matches the Planning Work
Each membership is designed around the level of planning support needed. The right fit depends on your household complexity, not your account balance.
Limited-time offer for new Flagship and Signature memberships: save $200 when started by 7/1/2026.
Flames Foundational
$2,000 / year
Billed quarterly in advance
For young professionals, young families, and growing households that want a clear annual planning fee while building their financial foundation.
What's included
Flames Flagship
$4,000 / year
Limited-time offer ends 7/1/2026
Billed quarterly in advance
For high-income professionals, physicians, corporate employees, and growing families who want coordinated planning across taxes, investments, and major life decisions.
What's included Everything in Flames Foundational +
Flames Signature
$6,000 / year
Limited-time offer ends 7/1/2026
Billed quarterly in advance
For pre-retirees, retirees, and households with advanced retirement, tax, and family wealth decisions.
What's included Everything in Flames Flagship +
Flagship and Signature include legal document creation and unlimited updates. Promotional pricing applies to new Flagship and Signature memberships started by 7/1/2026. Membership scope can still vary by household complexity.
Flat fee vs AUM
How Flat Annual Pricing Compares to a 1% AUM Advisor
A traditional 1% AUM advisor charges more as your portfolio grows. Flames FP charges a fixed annual membership fee based on planning complexity.
| Portfolio Size | 1% AUM Fee | Flames FP Flat-Fee Model | Why It Matters |
|---|---|---|---|
| $500,000 | About $5,000 per year | $2,000, $4,000, or $6,000 during the limited-time offer | The fee is tied to planning work, not portfolio value. |
| $1,000,000 | About $10,000 per year | The same membership fee if planning complexity does not change | The cost does not automatically rise because your portfolio grows. |
| $2,000,000 | About $20,000 per year | The same membership fee if the planning tier remains the right fit | More money can stay invested, saved, or used for family goals. |
What is included
What Can Be Included in a Flat Annual Membership?
The goal is not to sell a portfolio-only relationship. The goal is to coordinate the parts of your financial life that often affect each other.
Investments
Portfolio guidance and investment management designed around your plan, risk tolerance, taxes, and cash flow needs.
Taxes
Tax planning and tax filing support included in Flagship and Signature, connected to your investments, retirement decisions, and annual planning work.
Retirement
Retirement income planning, Roth conversion strategy, Social Security, Medicare, RMDs, and withdrawal coordination.
Estate Guidance
Legal document creation, beneficiary planning, and family wealth coordination so estate decisions are not treated in isolation.
Cash Flow
Help organizing savings, spending, debt, benefits, and the tradeoffs between today and the future.
Ongoing Advice
An ongoing advisor relationship for decisions that come up during the year, not just a one-time plan.
Client proof
What Clients Say About Working With Flames FP
Pricing matters, but trust matters too. These short Google review excerpts point to the planning relationship behind the flat annual fee. See Google reviews.
Clear family goals
"They helped me organize my finances and set clear family goals."
Flexible support
"Joel is awesome to work with and is very flexible to ensure he understands your needs."
Personalized planning
"Joel Miller offers a customized, personalized plan for financial health, investments, retirement planning, tax planning, wills, estate planning and more."
Client testimonials from Google reviews. Reviewers were not compensated. Individual experiences vary and are not indicative of future results or outcomes.
FAQ
Financial Planning Pricing Questions
How much does Flames Financial Planning cost?
Flames Financial Planning's standard annual memberships are $2,000, $4,200, or $6,200 depending on the level of planning needed. New Flagship and Signature memberships started by 7/1/2026 receive $200 off, reducing those tiers to $4,000 and $6,000.
Does Flames FP charge AUM fees?
No. Flames FP uses flat annual membership pricing instead of charging a percentage of assets under management.
Does the fee increase if my portfolio grows?
No. Your membership fee is based on the planning relationship and household complexity, not a percentage of your portfolio.
Which membership includes tax filing support?
Flagship and Signature include tax filing support. The exact scope is reviewed during discovery and onboarding.
Which membership is built for high-income families with flat fees and tax planning?
The standard $4,200 Flagship membership is designed for high-income professionals, physicians, corporate employees, and growing families that want flat annual pricing, investment management, tax planning, tax filing support, retirement planning, legal document creation, and unlimited updates coordinated in one relationship. Through 7/1/2026, new Flagship memberships are $4,000.
Is a flat fee better than paying 1% AUM?
It depends on your situation, but flat-fee planning can be especially valuable when you want investments, taxes, retirement, and family wealth decisions coordinated without automatically paying more as your portfolio grows.
Next step
Want to Know Which Membership Fits?
Schedule a discovery meeting and we will talk through what you need, which membership is most appropriate, and whether Flames Financial Planning is the right fit.