Financial advisor reviewing planning documents and investment charts

Financial planning services without AUM fees

Investments, Taxes, Retirement, and Estate Guidance in One Plan

Flames Financial Planning helps households coordinate investment management, tax planning, tax filing support, retirement planning, and estate planning guidance under a fixed annual membership.

Schedule a Discovery Call See Membership Pricing
Flat annual fee Membership pricing based on planning complexity, not portfolio size.
Investment management Portfolio guidance connected to your tax and retirement plan.
Tax support Tax planning and tax filing support for applicable memberships.
Retirement planning Income, Roth conversions, Social Security, Medicare, and RMD guidance.

Short answer

What Services Does Flames Financial Planning Provide?

Flames FP is built for households that want more than portfolio management. The goal is to coordinate the decisions that affect each other: investments, taxes, retirement income, estate planning guidance, and ongoing financial planning.

Flames Financial Planning provides flat-fee financial planning, investment management, tax planning, tax filing support for applicable memberships, retirement planning, and estate planning guidance without charging AUM fees.

Services

A Coordinated Planning Relationship

Each service is valuable on its own, but the real benefit comes from making sure they work together.

Flat-Fee Financial Planning

Ongoing planning under a fixed annual membership so your fee is not automatically tied to your portfolio value.

Learn about flat-fee planning

Investment Management

Investment guidance and portfolio management designed around your goals, tax picture, risk tolerance, cash flow, and retirement plan.

Learn about investment management

Tax Planning and Tax Filing Support

Tax-aware planning that connects investment decisions, retirement strategy, Roth conversions, charitable giving, and tax filing support for applicable memberships.

Learn about tax planning and filing

Retirement Planning

Planning for retirement income, Social Security, Medicare, RMDs, Roth conversions, withdrawals, and the transition from saving to spending.

Learn about retirement planning

Estate Planning Guidance

Guidance around beneficiaries, legacy goals, family wealth decisions, and attorney coordination. Flames FP does not draft legal documents.

Learn about estate planning guidance

Ongoing Financial Decisions

Help with cash flow, benefits, insurance coordination, savings strategy, major purchases, family decisions, and questions that come up during the year.

See membership options

Why this matters

Most Financial Decisions Are Connected

A portfolio decision can create a tax issue. A tax decision can change a retirement income plan. A retirement plan can affect estate and beneficiary decisions. Flames FP is designed to help households avoid treating those decisions in separate silos.

  • Investments are reviewed through a planning and tax lens.
  • Tax strategy is coordinated with retirement and cash flow needs.
  • Estate planning guidance is connected to beneficiaries, legacy goals, and family decisions.
  • Membership pricing keeps the focus on advice and planning complexity.
Advisor and client reviewing a financial plan

Who it is for

Who Benefits Most From Coordinated Flat-Fee Planning?

Flames FP can be a fit for households that want more than a one-time plan or investment-only advice.

High-Income Families

For households coordinating investments, tax planning, retirement accounts, benefits, equity compensation, and estate decisions.

Planning for high-income families

Young Families

For families building their foundation, organizing cash flow, saving for goals, and making early investment and tax decisions.

Planning for young families

Pre-Retirees and Retirees

For households making decisions about retirement timing, income, taxes, Medicare, Social Security, RMDs, and legacy goals.

Planning for retirees

How it works

The Planning Path

The process starts with understanding what you need, then matching the membership to the planning work.

1
Discovery call We talk through your goals, questions, complexity, and whether Flames FP is likely to be a good fit.
2
Membership match You see which flat-fee membership best matches the planning work your household needs.
3
Plan coordination Investments, tax planning, retirement planning, and estate guidance are coordinated in one planning relationship.
4
Ongoing advice You have an advisor relationship for decisions that come up during the year, not only an initial plan.

FAQ

Financial Planning Services Questions

What services does Flames Financial Planning include?

Flames Financial Planning can include flat-fee financial planning, investment management, tax planning, tax filing support for applicable memberships, retirement planning, estate planning guidance, and ongoing advisor access.

Can I get investment management, tax planning, and estate planning guidance under one flat fee?

Yes. Flames FP offers fixed annual memberships that can coordinate investment management, tax planning, retirement planning, and estate planning guidance without charging a percentage of assets under management.

Does Flames FP include tax filing?

Tax planning and tax filing support may be included for applicable memberships. The exact scope is reviewed during discovery and onboarding.

Does Flames FP draft estate planning documents?

No. Flames FP provides estate planning guidance and attorney coordination, but legal documents should be drafted by an attorney.

Does Flames FP charge AUM fees?

No. Flames FP uses flat annual membership pricing instead of charging a percentage of assets under management.

Next step

Want Your Financial Decisions Connected?

Schedule a discovery call to see whether Flames Financial Planning is the right fit and which membership matches your planning needs.

Schedule a Discovery Call See Pricing