Family and advisor reviewing financial planning decisions together

Who we help

Flat-Fee Financial Planning for Households With Real Complexity

Flames Financial Planning is built for people who want investment management, tax planning, retirement planning, and estate guidance coordinated through one of two clear quarterly advisory memberships.

Schedule a Discovery Meeting Find Your Planning Path

Minnesota-based | Planning at $900/quarter | Premier at $1,650/quarter | 0% AUM fee

Established professionalsFamilies coordinating growing wealth, taxes, benefits, investments, and estate decisions.

High-income and high-net-worthExecutives, physicians, and business owners coordinating more moving parts.

Retirement transitionsPre-retirees and retirees turning assets into a tax-aware income plan.

Minnesota rootsLocal perspective with virtual planning flexibility across the country.

The short answer

Who Is Flames Financial Planning Best For?

Households whose financial decisions have started affecting one another.

Flames FP is designed for people who want investments, taxes, retirement, cash flow, benefits, and estate guidance coordinated in one ongoing relationship without paying a percentage of their portfolio.

Connected decisions Clear quarterly fee Ongoing advice

Two ongoing advisory relationships

Choose the Relationship That Matches the Work.

Planning is for established professionals and families who want a dedicated advisor coordinating an ongoing financial life. Premier is for high-income, high-net-worth, retiring, or financially complex households that need advanced tax, retirement, investment, estate, and professional coordination.

Shared foundation

Included in every Flames membership

Dedicated Flames advisor
Personalized investment management
Financial Dashboard
No AUM advisory fee

Comprehensive ongoing planning

Flames Planning

$900 / quarter

$3,600 annualized

For established professionals and families who want investments, taxes, retirement, insurance, and estate planning coordinated.

Included in Flames Planning

Comprehensive ongoing financial planning
Personalized investment management, monitoring, and rebalancing
Proactive tax guidance and review of one completed personal tax return
Retirement, insurance, and estate decisions coordinated in one plan
Wealth.com will- or trust-based estate documents from day one
Ongoing planning conversations, plan updates, and Dashboard updates

Schedule a Planning Meeting

Advanced planning and implementation

Flames Premier

$1,650 / quarter

$6,600 annualized

For high-asset households, pre-retirees, retirees, and families facing advanced tax, retirement-income, estate, or implementation decisions.

Everything in Flames Planning, plus

Advanced planning led by your dedicated Flames advisor
Ongoing tax projections, Roth-conversion, and capital-gain modeling
Retirement-income, Social Security, and withdrawal implementation
Eligible tax-return preparation and filing with an independent tax partner
Equity-compensation, concentrated-position, and charitable planning
Advanced estate strategy, professional coordination, and priority access

Schedule a Premier Meeting

Billed quarterly in advance. No annual commitment.

Compare full membership details → Not sure which fits? Start with discovery →

Find your planning path

Different Stages. Different Decisions. One Coordinated Plan.

The right relationship depends on the decisions your household needs help making, not just age, income, or portfolio size.

PATH 01

Building a Financial Foundation

For established professionals and families coordinating cash flow, benefits, insurance, debt, investing, taxes, estate documents, and competing goals in one ongoing plan.

Established professionalsGrowing familiesPlanning members

See Flames Planning

PATH 02

Growing Income and Complexity

For high-income and high-net-worth households coordinating equity compensation, business interests, taxes, investments, family goals, insurance, charitable planning, and estate decisions.

High-income familiesExecutives and physiciansBusiness owners

See Flames Premier Planning for high-income families

PATH 03

Transitioning Into Retirement

For households turning savings into a reliable income plan while coordinating retirement timing, taxes, Social Security, Medicare, RMDs, gifting, and legacy decisions.

Pre-retireesRetireesFamily wealth planning

See Flames Premier Planning for pre-retirees

The real fit signal

The Fit Is Often About Overlap, Not Age or Net Worth.

Planning becomes more valuable when one decision changes several others and the household needs someone to trace the full chain.

Taxes affect the next moveIncome, gains, Roth conversions, withdrawals, or charitable giving change what makes sense.
Investments have more jobs to doThe portfolio must support near-term spending, retirement, family goals, and tax flexibility.
Compensation is no longer simpleBonuses, RSUs, ESPPs, stock options, and benefits create decisions beyond a paycheck.
A transition is approachingRetirement, a career change, a growing family, inheritance, or major purchase changes the plan.

Other ways to start

Included with every membership. The Financial Dashboard keeps household details, goals, documents, and planning updates connected to the advisory relationship.

Parents and two children walking together through an autumn park — Minnesota-based, with virtual planning flexibility for households across the country.

Minnesota and virtual planning

Local Roots Without Requiring an Office-Centered Relationship.

Flames FP is based in Minnetonka and serves Minnesota households locally while using virtual planning to make ongoing advice easier to access wherever life happens.

Fee-only fiduciary financial planning under a flat quarterly membership.
Virtual meetings designed for busy families, professionals, and retirees.
Minnesota perspective with the flexibility to serve clients nationwide where permitted.
No AUM fee that automatically rises as the portfolio grows.

Fit signals

You May Be a Good Fit If...

The relationship is built for households that value coordination, transparency, and advice that stays useful after the first plan is delivered.

Talk Through Your Situation

You want one coordinated advisor relationshipYou do not want separate conversations for investments, taxes, retirement, and estate questions.
You care about clear feesYou want to know the annual cost without the fee automatically rising as the portfolio grows.
Your financial decisions overlapTax, investment, retirement, compensation, and family decisions regularly change one another.
You want ongoing adviceYou want help when questions come up during the year, not only a one-time financial plan.

Not the right fit

When Flames FP May Not Be the Best Match

A clear fit works both ways. Flames FP may not be the right choice if you only want a one-time stock pick, legal document drafting, tax preparation only, or an advisor relationship based only on investment performance.

Tax filing only

If you only need a tax return filed without planning, a standalone tax preparer may be a better fit.

Legal document drafting

Flames FP provides estate planning guidance and coordination, but legal documents should be drafted by an attorney.

Investment-only advice

If you only want portfolio management with no broader planning relationship, the flat-fee membership may be more than you need.

Client perspective

The Right Fit Should Feel Personal, Clear, and Useful.

Different households need different planning depth. The constant should be an advisor who understands the situation before recommending the next move.

Read Google reviews

"Joel takes the time to understand my current situation and future goals."

Chris, Google review

Client testimonials from Google reviews. Reviewers were not compensated. Individual experiences vary and are not indicative of future results or outcomes.

FAQ

Who We Help Questions

Who is a good fit for Flames Financial Planning?

Flames FP is often a fit for established professionals, high-income and high-net-worth households, executives, business owners, pre-retirees, retirees, and Minnesota families who want coordinated flat-fee financial planning without AUM fees.

Does Flames FP work with clients virtually?

Yes. Flames FP can work well for Minnesota households and virtual clients who want ongoing flat-fee financial planning and upfront membership pricing.

Is Flames FP a good fit for retirees?

Flames FP can be a fit for retirees who want help coordinating retirement income, taxes, investments, RMDs, Medicare, Social Security, and estate planning guidance.

Is Flames FP a good fit for young families?

Yes, especially when young families want to build a strong foundation around cash flow, investing, tax-aware planning, insurance coordination, and long-term goals.

How do I choose between Planning and Premier?

Planning fits established professionals and families who want ongoing comprehensive advice across investments, taxes, retirement, insurance, and estate documents. Premier fits high-income, high-net-worth, retiring, or financially complex households that need advanced tax modeling, retirement-income implementation, tax-return preparation when eligible, or deeper coordination with attorneys, CPAs, and other professionals.

Next step

Want to See Whether You Are a Fit?

Schedule a discovery call and we will talk through what you need, what planning work is involved, and which membership fits best.

Schedule a Discovery Meeting Explore Services