Fee Structure

The fee for a comprehensive financial plan is based on the complexity of your situation and my estimate of how much time it will take to provide services to you.  Half the fee is due when you sign the service agreement, and the other half is due when your plan is delivered.

The fee for ongoing financial planning services is a flat dollar amount that is also based on the complexity of your situation and my estimate of how much time it will take to provide services to you.  The fee is billed quarterly and is payable in arrears.  If necessary, the fee can be deducted from a traditional IRA in a non-taxable withdrawal.

Fees paid for investment advice that does not relate to the production of tax-exempt income, or for tax planning (which includes federal and state income, gift and estate taxes) are generally deductible as a miscellaneous itemized deduction under the Internal Revenue Code.  Some clients deduct the entire fee as an investment expense.  Alternately, you can have the fee deducted from your traditional IRA in a non-taxable distribution.

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