Services & Fees
You pay a fixed fee based on the scope and complexity of your engagement. Action Financial Planning does not charge asset-based (AUM) fees and does not receive commissions or product-based compensation.
Plans
$1,250
Limited-scope planning focused on retirement readiness.
$2,500
Designed for households whose financial planning needs primarily involve W-2 income.
$3,750
Designed for households with W-2 income plus 1099 or small-business income.
From $5,000
Designed for households with multiple income sources, business ownership, real estate, or more complex planning needs. Pricing based on complexity.
Implementation support is included with qualifying planning engagements. Ongoing subscriptions and Financial Wellness Checkups are optional services available after implementation support ends.
One-time planning fees are billed 50% when you sign your advisory agreement and 50% before your plan presentation. Your advisory agreement, fee, scope of services, and payment terms are provided in writing before work begins. See Form ADV Part 2A for complete billing information.
Because every recommendation is non-discretionary, you decide whether and how to implement any recommendation. There is never an obligation to purchase a financial product or transfer your investment accounts.
What’s included
Every financial plan is customized. Depending on your circumstances and the scope of your engagement, your plan may address topics such as:
Insurance, tax, and estate planning services are limited to analysis and recommendations based on the information you provide. Action Financial Planning does not sell insurance products, prepare tax returns, or provide legal services. Where appropriate, you may be encouraged to consult with your attorney, CPA, insurance professional, or other qualified professionals before implementing certain recommendations.
After your plan, you can add ongoing support — tier pricing is shown with each plan above.
Monthly Subscription — year-round access for continued guidance, including up to two one-hour meetings a year and an annual Financial Wellness Checkup.
Financial Wellness Checkups — pay-as-you-go plan refreshes with no monthly fee, available within two years of your plan or last checkup. Many clients find it helpful to review their financial plan annually or after significant life changes.
Subscriptions are billed monthly in advance; checkups are billed in advance when you schedule them — both through a secure online payment portal. Full billing terms are in my Form ADV Part 2A.
Focused planning engagements are available at $275 per hour (one-hour minimum). Topics may include, but are not limited to, any area described in Form ADV Part 2A, or a second opinion on an existing financial plan.
Pension consulting is available on an hourly or fixed-fee basis; hourly engagements are billed at $325 per hour. Services may include:
All services are non-discretionary.
We’ll discuss your goals during your complimentary introductory call and determine which planning engagement best fits your circumstances. There is no obligation to move forward.