Our Pricing

Financial planning and investment management are two important, distinct services.

Our fees are structured so clients not needing or wanting us to manage their assets can still get the financial planning they need. At Together Planning we believe everyone should have access to high quality advice and are proud to have no income or asset minimums. 

FINANCIAL PLANNING PRICING

We believe that a comprehensive financial plan is critical for everyone. 

We invest significant time in getting to know you, your priorities, and your financial situation in detail so that we can provide you with helpful and meaningful advice. Together Planning’s financial planning fees consist of an initial planning fee followed by ongoing fees paid monthly or quarterly. Our financial planning clients generally fall into three tiers of varying complexity, and our fees are structured to reflect that.

Initial Planning Fee

TIER 1

$ 1,500 INITIAL FEE
  • A comprehensive and complete plan, beginning with goal setting and a discussion of your expectations and concerns.
  • We gather information about all your resources: what you have saved so far, your potential for earning and saving in future years, expected sources of future income, and any other assets.
  • We determine the likelihood that you will be able to meet your goals with those resources and make recommendations, if needed, to increase that likelihood.
  • If you have debt, we review a repayment strategy and determine whether to put excess cash flow to debt retirement or to invest it.
  • We review your insurance coverage and potential vulnerabilities and help you decide how much coverage you need in life, disability, and long-term care coverage.
  • For those clients who have children at home, includes college cost projections and recommendations for college savings vehicles.

TIER 2

$ 2,500 INITIAL FEE
  • Includes everything in the Tier 1 plan, plus additional detailed work related to any of the following topics:
  • In-depth education planning based on your financial situation, your child’s academic record, and their top ten colleges.
  • Retirement income planning for those approaching retirement.
  • Evaluation of real estate holdings as an investment.
  • In-depth work on life insurance needs related to estate planning or business transition planning.

TIER 3

$ 3,500 INITIAL FEE
  • Includes everything in the Tier 1 plan, plus additional detailed work related to any of the following topics:
  • Detailed work on business transition planning.
  • Assistance with alternative investments and real estate.
  • Other work that is unique to a client’s situation and requires extra time for us to get your questions answered.

Ongoing Financial Planning Fee

ALL TIERS

$ 300 PER QUARTER
  • Ongoing financial planning fees are waived after $250,000 in assets under management.

INVESTMENT MANAGEMENT PRICING

To manage your investments and to provide you with financial planning advice, we charge a percentage fee based on the total amount of the assets we manage for you (also called assets under management, or AUM) as detailed in the chart below.  These fees are blended. For example, investment of $2,500,000 would be billed at 1% for the first two million and then 0.5% on the next $500,000. The fee is stated as an annual percentage, billed quarterly.

FIRST $0–$2,000,000

IN ASSESTS UNDER MANAGEMENT
1.0% AUM * PAID QUARTERLY
  •  

NEXT $2,000,000+

IN ASSESTS UNDER MANAGEMENT
0.5% AUM * PAID QUARTERLY
  •  

* Clients receive a 20% discount after 5 years.

* Financial planning fees are waived after $250,000 in AUM.

COLLEGE PRE-APPROVAL ™ PRICING

COLLEGE FUNDING PLAN

$ 500 PER CHILD
  • Our college funding service is a one-meeting package that is priced at $500. You upload the required documents in advance and we complete a funding plan for you.
  • Together Planning meets with you for about an hour, and you leave with a report showing the expected net cost of your top ten colleges, some other schools to consider, and a funding plan for each year of college. We will also provide suggestions for reducing cost through tax tools, scholarships, or funding strategies.

HOURLY FINANCIAL CONSULTING PRICING

HOURLY FINANCIAL CONSULTING

$ 200 PER HOUR
  • Sometimes you just need a second opinion or someone to talk to about a couple of financial questions, without needing a comprehensive plan or investment management services.
  • In those cases, you may appreciate our hourly services. You tell us in advance what areas are concerning you and provide the necessary information. We will review what you submit and prepare feedback and solutions for you to consider. We will meet with you once, and then decide together in that meeting whether continued work is needed.