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 planning guidance coordinated under one clear annual fee.
Short answer
Who Is Flames Financial Planning Best For?
Flames FP can be a fit for households that want ongoing advice across investments, taxes, retirement, cash flow, and estate planning guidance without paying a percentage of their portfolio.
The strongest fit is usually high-income families, physicians, corporate employees, young families building wealth, pre-retirees, retirees, and Minnesota households who want a virtual flat-fee financial advisor with transparent pricing.
Client groups
Planning Built Around Your Stage of Life
The right membership depends on the planning work your household needs, not just your portfolio size.
High-Income Families
For households coordinating savings, taxes, investments, retirement accounts, benefits, insurance, and estate planning decisions.
Planning for high-income familiesPhysicians
For physicians and medical families balancing income, taxes, retirement plans, insurance, student loans, and long-term wealth decisions.
Planning for physiciansYoung Families
For families building their foundation, organizing cash flow, saving for goals, investing, and making tax-aware decisions early.
Planning for young familiesCorporate Employees
For professionals managing benefits, equity compensation, retirement plans, concentrated stock, and growing tax complexity.
Planning for corporate employeesPre-Retirees
For households making decisions about retirement timing, Roth conversions, Social Security, Medicare, and future withdrawals.
Planning for pre-retireesRetirees
For households coordinating income, taxes, RMDs, Medicare, charitable giving, estate planning guidance, and family wealth decisions.
Planning for retireesMinnesota and virtual planning
A Minnesota-Based Advisor for Local and Virtual Clients
Flames FP is based in Minnesota and works well for households that want a local advisor relationship with the flexibility of virtual planning.
- Flat-fee financial planning for Minnesota households.
- Virtual planning meetings for busy families and professionals.
- Tax-aware retirement and investment guidance.
- Transparent pricing without AUM fees.
Fit signals
You May Be a Good Fit If...
You want a coordinated advisor relationship
You do not want separate conversations for your portfolio, taxes, retirement plan, and estate planning questions.
You care about transparent pricing
You want to know what the advisory relationship costs without the fee automatically rising as your portfolio grows.
Your taxes and retirement decisions overlap
Roth conversions, retirement withdrawals, business income, equity compensation, charitable giving, or RMDs need tax-aware planning.
You want ongoing advice
You want a relationship for the questions that 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 proof
A Planning Relationship Built Around Personal Fit
Different households need different types of planning. These are short excerpts from client reviews on Flames FP's Google Business Profile. See Google reviews.
"One of a kind financial planner."
"Customized, personalized plan."
"Consistently exceeded our expectations."
Client comments are testimonials from current clients. No compensation was provided. 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 high-income families, physicians, young families, corporate employees, pre-retirees, retirees, and Minnesota households who want 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 transparent 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.
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.