Transparent flat-fee financial guidance

Transparent flat-fee financial guidance

Your Advisor Fees Shouldn't Grow Faster Than Your Wealth

Flat-Fee Financial Planning vs Traditional AUM Models - Save Thousands Annually

Lawyer portrait photo
Lawyer portrait photo
Lawyer portrait photo

Transparent Pricing That Makes Sense

No hidden fees, no asset minimums, no surprises. Just honest financial planning at flat rates.

Transparent Pricing That Makes Sense

No hidden fees, no asset minimums, no surprises. Just honest financial planning at flat rates.

Transparent Pricing That Makes Sense

No hidden fees, no asset minimums, no surprises. Just honest financial planning at flat rates.

We specialize in

Investment Guidance & Education

Learn to build wealth through expert investment guidance without the conflicts of traditional commission-based advice. We help you understand portfolio allocation, low-cost index funds, ETFs, and tax-efficient investing strategies while you maintain control of your accounts.

Retirement Planning & Analysis

Create a clear roadmap to your retirement goals with comprehensive analysis and projections. We'll help you optimize 401(k) contributions, plan IRA rollovers, understand Social Security timing, and develop withdrawal strategies that maximize your retirement income.

Tax Optimization Strategies

Minimize your tax burden through strategic planning that coordinates with your overall financial goals. From tax-loss harvesting and Roth conversions to charitable giving strategies and retirement account optimization, we help you keep more of what you earn.

Financial Planning & Goal Setting

Build a comprehensive financial plan that addresses all aspects of your financial life. We help you prioritize goals, create actionable timelines, optimize cash flow, and make informed decisions about debt payoff, home buying, and major life transitions.

Insurance & Risk Management Review

Ensure your wealth transfers efficiently to your beneficiaries while minimizing taxes and complications. We coordinate with your attorney and CPA to review beneficiary designations, trust strategies, and estate tax planning to protect your legacy.

Estate Planning Coordination

Ensure your wealth transfers efficiently to your beneficiaries while minimizing taxes and complications. We coordinate with your attorney and CPA to review beneficiary designations, trust strategies, and estate tax planning to protect your legacy.

We specialize in

Investment Guidance & Education

Learn to build wealth through expert investment guidance without the conflicts of traditional commission-based advice. We help you understand portfolio allocation, low-cost index funds, ETFs, and tax-efficient investing strategies while you maintain control of your accounts.

Retirement Planning & Analysis

Create a clear roadmap to your retirement goals with comprehensive analysis and projections. We'll help you optimize 401(k) contributions, plan IRA rollovers, understand Social Security timing, and develop withdrawal strategies that maximize your retirement income.

Tax Optimization Strategies

Minimize your tax burden through strategic planning that coordinates with your overall financial goals. From tax-loss harvesting and Roth conversions to charitable giving strategies and retirement account optimization, we help you keep more of what you earn.

Financial Planning & Goal Setting

Build a comprehensive financial plan that addresses all aspects of your financial life. We help you prioritize goals, create actionable timelines, optimize cash flow, and make informed decisions about debt payoff, home buying, and major life transitions.

Insurance & Risk Management Review

Ensure your wealth transfers efficiently to your beneficiaries while minimizing taxes and complications. We coordinate with your attorney and CPA to review beneficiary designations, trust strategies, and estate tax planning to protect your legacy.

Estate Planning Coordination

Ensure your wealth transfers efficiently to your beneficiaries while minimizing taxes and complications. We coordinate with your attorney and CPA to review beneficiary designations, trust strategies, and estate tax planning to protect your legacy.

We specialize in

Investment Guidance & Education

Learn to build wealth through expert investment guidance without the conflicts of traditional commission-based advice. We help you understand portfolio allocation, low-cost index funds, ETFs, and tax-efficient investing strategies while you maintain control of your accounts.

Retirement Planning & Analysis

Create a clear roadmap to your retirement goals with comprehensive analysis and projections. We'll help you optimize 401(k) contributions, plan IRA rollovers, understand Social Security timing, and develop withdrawal strategies that maximize your retirement income.

Tax Optimization Strategies

Minimize your tax burden through strategic planning that coordinates with your overall financial goals. From tax-loss harvesting and Roth conversions to charitable giving strategies and retirement account optimization, we help you keep more of what you earn.

Financial Planning & Goal Setting

Build a comprehensive financial plan that addresses all aspects of your financial life. We help you prioritize goals, create actionable timelines, optimize cash flow, and make informed decisions about debt payoff, home buying, and major life transitions.

Insurance & Risk Management Review

Ensure your wealth transfers efficiently to your beneficiaries while minimizing taxes and complications. We coordinate with your attorney and CPA to review beneficiary designations, trust strategies, and estate tax planning to protect your legacy.

Estate Planning Coordination

Ensure your wealth transfers efficiently to your beneficiaries while minimizing taxes and complications. We coordinate with your attorney and CPA to review beneficiary designations, trust strategies, and estate tax planning to protect your legacy.

Lawyer portrait photo

About us

About us

About us

Your Financial Advocate, Not Your Salesperson

Our certified financial planners across the country are legally bound to put your interests first. No commissions, no conflicts, no hidden agendas—just transparent advice from experts who truly care about your success.


CFP® Professionals | Serving All 50 States | 200+ Families Helped

13+

Avg Years Experience

13+

Avg Years Experience

13+

Avg Years Experience

600m+

Assets Guided

600m+

Assets Guided

600m+

Assets Guided

200+

Families Served

200+

Families Served

200+

Families Served

$0

Hidden Fees

$0

Hidden Fees

$0

Hidden Fees

Pricing

Pricing

Pricing

Transparent Flat-Fee Structure

No hidden fees, no AUM percentages, just straightforward pricing based on your needs.

No hidden fees, no AUM percentages, just straightforward pricing based on your needs.

No hidden fees, no AUM percentages, just straightforward pricing based on your needs.

Monthly

Annually

Save 12%

Essential

Professional Guidance When You Need It

$97

$85

/month (billed semi-annually)

Semi-annual planning reviews

Assigned CFP® professional

Savology platform access

48-hour email support

Automated scheduling

Financial projections

$512 billed semi-annually

12% savings

Growth

Popular

Comprehensive Planning for Life's Complexity

$174

$198

/month (billed semi-annually)

Quarterly planning sessions

Dedicated CFP® advisor

Advanced planning tools

24-hour email support

Tax-loss harvesting education

Insurance needs analysis

$1,045 billed semi-annually

12% savings

Premium - WAITLISTED

Comprehensive guidance with priority access and senior expertise

$TBD

$TBD

/month (billed annually)

6+ strategic planning sessions

Senior CFP® advisor team

Comprehensive planning suite

Same-day email response

Estate planning coordination

Advanced tax strategies

Launching Q4 of 2025

Monthly

Annually

Save 12%

Essential

Professional Guidance When You Need It

$97

$85

/month (billed semi-annually)

Semi-annual planning reviews

Assigned CFP® professional

Savology platform access

48-hour email support

Automated scheduling

Financial projections

$512 billed semi-annually

12% savings

Growth

Popular

Comprehensive Planning for Life's Complexity

$174

$198

/month (billed semi-annually)

Quarterly planning sessions

Dedicated CFP® advisor

Advanced planning tools

24-hour email support

Tax-loss harvesting education

Insurance needs analysis

$1,045 billed semi-annually

12% savings

Premium - WAITLISTED

Comprehensive guidance with priority access and senior expertise

$TBD

$TBD

/month (billed annually)

6+ strategic planning sessions

Senior CFP® advisor team

Comprehensive planning suite

Same-day email response

Estate planning coordination

Advanced tax strategies

Launching Q4 of 2025

Monthly

Annually

Save 12%

Essential

Professional Guidance When You Need It

$97

$85

/month (billed semi-annually)

Semi-annual planning reviews

Assigned CFP® professional

Savology platform access

48-hour email support

Automated scheduling

Financial projections

$512 billed semi-annually

12% savings

Growth

Popular

Comprehensive Planning for Life's Complexity

$174

$198

/month (billed semi-annually)

Quarterly planning sessions

Dedicated CFP® advisor

Advanced planning tools

24-hour email support

Tax-loss harvesting education

Insurance needs analysis

$1,045 billed semi-annually

12% savings

Premium - WAITLISTED

Comprehensive guidance with priority access and senior expertise

$TBD

$TBD

/month (billed annually)

6+ strategic planning sessions

Senior CFP® advisor team

Comprehensive planning suite

Same-day email response

Estate planning coordination

Advanced tax strategies

Launching Q4 of 2025

FAQ

Didn't find the question you were looking for?

How is flat-fee different from traditional AUM advisors?

How is flat-fee different from traditional AUM advisors?

How is flat-fee different from traditional AUM advisors?

Do you manage my investments or just provide guidance?

Do you manage my investments or just provide guidance?

Do you manage my investments or just provide guidance?

What's the difference between working with "a CFP" vs "a dedicated CFP"?

What's the difference between working with "a CFP" vs "a dedicated CFP"?

What's the difference between working with "a CFP" vs "a dedicated CFP"?

How much could I save compared to my current AUM advisor?

How much could I save compared to my current AUM advisor?

How much could I save compared to my current AUM advisor?

What if I need advice between scheduled meetings?

What if I need advice between scheduled meetings?

What if I need advice between scheduled meetings?

Blog

Blog

Blog

Stay informed on financial strategies.

Learn how to build wealth smarter.

Contact

Let's get in touch

Need financial guidance or have questions?

We're here to help you.

Contact

Let's get in touch

Need financial guidance or have questions?

We're here to help you.

Contact

Let's get in touch

Need financial guidance or have questions?

We're here to help you.

Independent financial advisor providing transparent flat-fee guidance vs traditional percentage-based AUM models. Same expert advice whether you have $100K or $10M.

© Copyright  2024  | Censifi, LLC ("Censifi") is a registered investment advisor offering advisory services in the State(s) of Colorado and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The information on this site for informational purposes only and should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security or advisory service in any jurisdiction where such solicitation, offer, or recommendation would be unlawful or unauthorized. The information provided should not be relied upon as the sole factor in an investment making decision. Past performance is no guarantee of future results. Please refer to Censifi Disclosures & ADVs for additional information and risks. All Rights Reserved.

Disclosures & ADVs

Independent financial advisor providing transparent flat-fee guidance vs traditional percentage-based AUM models. Same expert advice whether you have $100K or $10M.

© Copyright  2024  | Censifi, LLC ("Censifi") is a registered investment advisor offering advisory services in the State(s) of Colorado and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The information on this site for informational purposes only and should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security or advisory service in any jurisdiction where such solicitation, offer, or recommendation would be unlawful or unauthorized. The information provided should not be relied upon as the sole factor in an investment making decision. Past performance is no guarantee of future results. Please refer to Censifi Disclosures & ADVs for additional information and risks. All Rights Reserved.

Disclosures & ADVs

Independent financial advisor providing transparent flat-fee guidance vs traditional percentage-based AUM models. Same expert advice whether you have $100K or $10M.

© Copyright  2024  | Censifi, LLC ("Censifi") is a registered investment advisor offering advisory services in the State(s) of Colorado and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The information on this site for informational purposes only and should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security or advisory service in any jurisdiction where such solicitation, offer, or recommendation would be unlawful or unauthorized. The information provided should not be relied upon as the sole factor in an investment making decision. Past performance is no guarantee of future results. Please refer to Censifi Disclosures & ADVs for additional information and risks. All Rights Reserved.

Disclosures & ADVs