Transparent, flat-fee planning for serious stewards
One annual fee. Comprehensive planning. No commissions, no surprise bills, no upselling.
$12,000
per year — flat fee, same for everyone
Twelve thousand dollars a year covers everything we do: ongoing retirement income planning, tax strategy, charitable giving plans, and Biblically Responsible Investing — for an entire household.
The fee doesn’t change based on your income, your asset level, or how complicated your situation is. Whether you’re single or married, with $1M or $10M, the price is the same. We reserve the right to adjust for inflation over time, but we don’t tier our pricing by complexity.
This flat-fee model is intentional. It removes the conflicts of interest that plague the industry and lets us focus on what actually moves the needle for your family.
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Fee-only fiduciary — no commissions, ever
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Same price whether single or married
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Covers retirement income, tax, giving, and investing
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Virtual-first — work with us from anywhere in the country
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No hourly billing or surprise add-ons
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Year-round service calendar — proactive, not reactive
What's not included
We don’t sell insurance products. We don’t offer hourly consultations or one-time financial plans. We focus exclusively on ongoing, comprehensive relationships — that’s where we add the most value for the families we serve.
Year-round service, season by season
Most advisors check in once a year. We work alongside you all year, with deliberate seasonal focus on what matters most.
Winter
Jan – Mar
- Prepare CPA Tax Summary Letter for prior year transactions
- Review income & expenses, analyze company benefits plans
- Establish distribution plan for the year (RMDs, QCDs, tax-efficient withdrawals)
- Preliminary Roth conversions
- Set up retirement plan contributions
- Annual tax planning meeting & charitable giving review
Spring
Apr – Jun
- Perform semi-annual investment deep dive
- Mid-year tax strategy review (rebalancing, tax loss trading, capital gain harvesting)
- Update financial plans
- Spring review meetings (mid-April through mid-July)
- Estate plan review (beneficiaries, gifting, deathbed planning, charitable giving)
Summer
Jul – Sep
- Tax return review & analysis with Tax Observation Report
- Goal review & report card on financial plan progress
- Insurance review (Medicare/Life in even years, LTC/P&C in odd years)
- Revisit Roth conversion analysis
- Security review (account code phrases & POAs)
Fall
Oct – Dec
- Final tax return review & analysis
- End-of-year tax planning opportunities (tax loss trading, capital gain harvesting, retirement planning)
- Fall review meetings (early September through early December)
- Final Roth conversion & distribution analysis reassessment
- Year in review — revisit all key investment, planning, and tax items
Year-round services
Investment Management
Diversified, low-cost portfolios with BRI screens, held at our independent custodian, Altruist.
Tax Strategy
Continuous tax planning so you're never surprised at filing time — and you keep more of what you have earned.
Ongoing Communication
Direct access to your advisor — by phone, email, or video — whenever you need a sounding board.
Investments that align with your faith
We use Biblically Responsible Investing (BRI) screens to filter out companies whose practices conflict with biblical values, while maintaining diversified, low-cost portfolios designed to support your retirement income needs.
Your accounts are held with Altruist, our independent custodian. We’re not affiliated with any bank, broker-dealer, or insurance company — which means our advice is genuinely independent.
Who we work with
We work best with a specific kind of family.
Our clients are typically Christian households within five years of retirement or already retired, with $1 million or more in investable assets. They want their planning, taxes, charitable giving, and investments handled by a fiduciary advisor who shares their faith.
We work virtually with families across the country, which lets us meet you where you’re most comfortable. You don’t need to be local to Ohio to work with us.
Ready to see if we're a fit?
A short questionnaire, then a conversation. No pressure.