Welcome to Flames

The Future of Financial Planning

Flat-fee | Fee-only | Fiduciary.

Built for people who want:

  • Investments, taxes, retirement, and estate decisions connected.
  • One clear annual fee instead of a percentage-of-assets fee.
  • Help making the decisions, then getting them done.
Book a free discovery session View memberships
One flat-fee relationship can coordinate the moving parts.
Investments Tax planning Tax filing Estate documents Retirement Cash flow Insurance Employee benefits Equity comp

Free discovery session

A simple first conversation about your financial life.

We will talk through what is going on, what you want life to look like, and whether a Flames membership would actually help.

1
Start by getting to know each other. We will talk through your goals, where you are financially today, and where you want to be in the future.
2
Discuss a Flames membership. We will look at whether flat-fee planning fits your situation and which membership level would make sense.
3
Make getting started easy. If we decide to move forward together, we will walk through the next steps so onboarding feels simple and clear.

What makes Flames different

Advisor fees should be tied to advice, not the market.

AUM model

Your fee can rise for reasons unrelated to new planning work.

When the fee is a percentage of investments, market growth or new contributions can increase what you pay.

Flat-fee model

Your fee is set around the planning work your household needs.

Flames uses a flat annual membership fee based on planning scope and household complexity.

01

Flat-fee by design

No automatic fee increase just because your portfolio grew from markets or new savings.

02

Fee-only fiduciary

No commissions or product sales. Advice is built around the household, not a transaction.

03

Planning beyond investments

Taxes, estate documents, retirement, cash flow, benefits, and investments are coordinated together.

04

Investments still matter

Portfolios can still be managed, but investment management is part of the relationship, not the whole relationship.

Want advice priced around the work, not the account balance? Schedule a free discovery session to see whether a flat-fee Flames membership fits what you are trying to solve.
Book a free session

Memberships

Choose the level of planning that fits the work.

Tier 1 Advisor Team Model

Flames Foundational

$2,000 / year

Billed quarterly in advance

  • Financial planning and organization
  • Cash flow, savings, benefits, and insurance planning
  • Investment management for core accounts
  • Tax-aware planning throughout the year
  • Ongoing advisor relationship and implementation guidance

Best fitYoung professionals, young families, and growing households.

Tier 2 Dedicated Advisor Relationship

Flames Flagship

$4,000 / year

Billed quarterly in advance

  • Everything in Foundational
  • Tax filing support included
  • Retirement planning and Roth conversion strategy
  • Legal document creation and unlimited updates
  • Equity compensation, ESPP, RSU, and benefits planning

Best fitHigh-income professionals, physicians, corporate employees, and growing families.

Tier 3 Dedicated Advisor Relationship

Flames Signature

$6,000 / year

Billed quarterly in advance

  • Everything in Flagship
  • Advanced retirement income planning
  • Social Security, Medicare, withdrawal, and RMD strategy
  • Legacy, gifting, beneficiary, and family wealth coordination
  • Family-office style coordination for advanced planning needs

Best fitPre-retirees, retirees, and households with advanced planning needs.

Not sure which membership fits? That is exactly what the discovery session is for. We will talk through the moving parts and match the level of planning to the actual work.
Find the right fit

Common questions

The direct answers people usually want before booking.

These are the practical details around custodians, taxes, estate documents, investment management, and who does what behind the scenes.

Do you manage portfolios across multiple custodians?

Flames FP directly manages client assets at Altruist, the primary custodian, and Charles Schwab, the secondary custodian when appropriate. For accounts held outside Altruist or Schwab, Flames FP can provide planning guidance based on outside account balances and details, but cannot directly trade, rebalance, or manage those assets. When assets are eligible to transfer, Flames FP generally recommends moving them to Altruist or Schwab so the portfolio can be fully managed, coordinated, and monitored within the relationship with no added Flames FP membership fee.

Does the flat annual fee include tax return preparation and filing?

Flames Flagship and Flames Signature include tax return preparation and filing support, along with proactive tax planning throughout the year. Flames FP handles the planning work and coordinates tax return preparation with an outside tax partner so the return reflects the planning decisions made during the year.

Who signs my tax return?

A Flames FP tax partner, currently Fifteenth, prepares and signs the return as the paid tax preparer. Flames FP remains involved to coordinate strategy, answer planning questions, and help make sure the tax return reflects the planning decisions made throughout the year.

How many CPAs or Enrolled Agents are on staff?

There are currently no CPAs or Enrolled Agents on staff at Flames Financial Planning. Flames FP keeps year-round tax planning inside the advisory relationship and coordinates tax preparation through outside tax professionals for memberships that include filing support.

Are there attorneys on staff, and who drafts the trust and will?

There are currently no attorneys on staff at Flames Financial Planning. For eligible memberships, estate document creation is delivered through Wealth.com, an estate planning platform used to create professionally drafted documents such as a trust, will, financial power of attorney, and health care directive. Flames FP coordinates the planning discussion as part of the broader financial plan, while more complex legal situations may still require outside legal counsel.

What is included in investment management?

Altruist is the primary custodial platform, with Schwab available as a secondary custodian when appropriate. Portfolios may use Altruist's professionally designed models or custom-built portfolios depending on each client's goals. Every portfolio is managed according to the Flames investment philosophy: low-cost investing, global diversification, and tax efficiency.

Do clients still have access to their accounts?

Yes. Clients have access through Altruist's desktop and mobile platforms to view accounts, monitor performance, access documents, and withdraw available cash when needed.

Is Flames FP a good fit if I only want a one-time answer?

Flames FP is usually not the best fit for someone who only wants a single transactional answer. The membership is designed for households that want coordinated decision-making across investments, taxes, estate planning, retirement, cash flow, and major life changes.

Schedule your free discovery session

Let’s talk through what’s actually on your plate.

Pick a time below. We will sort through the questions that brought you here, identify what needs attention first, and see whether a flat-fee Flames membership is the right fit.

What we will sort out together.

You do not need everything organized before booking. Bring the financial question that made you pause.

  • What needs attention first. Taxes, investments, retirement, equity comp, estate documents, cash flow, or getting organized.
  • Whether a Flames membership fits. We will connect the moving parts and talk through the right level of planning support.
  • What happens after the call. If it is a fit, getting started is simple. If not, you should still leave with a clearer direction.
  • Activation. If you move forward, we help open accounts, move money, turn ideas into action, and start tracking real progress.
45 minutes Zoom meeting No obligation
Choose a time Free discovery session