Because “you get what you pay for” doesn’t mean you have to overpay.
Let’s be honest: No one wants to hire the cheapest brain surgeon. Or trust the lowest bidder to build their dream home.
And when it comes to your life savings? Same idea. You want good advice, thoughtful strategy, and a team who’s genuinely looking out for you—not a discount warehouse of half-baked guidance.
But here’s the thing no one talks about:
In the financial planning world, “premium pricing” doesn’t always mean premium service.
And if your investment portfolio has grown into the seven figures (or beyond), the amount you’re paying for financial advice might be a lot more than it needs to be.
Let’s Do Some Quick Math
Most traditional financial advisors charge a percentage of your investment portfolio—usually about 1% per year. That fee might feel harmless when your portfolio is $250,000. But if you’ve saved well over the years, here’s what that same model looks like:
- $1,000,000 portfolio = $10,000/year in fees
- $2,000,000 portfolio = $20,000/year
- $3,000,000 portfolio = $30,000/year
- … and so on.
The problem? The complexity of your life doesn’t double when your account balance does. But your fee probably does.
Good Planning Is Worth Paying For—But Let’s Not Get Carried Away
Here’s the part where I agree with every traditional advisor out there:
Financial planning is worth paying for.
You deserve great financial advice.
You deserve a relationship with someone who knows you, who listens well, and who guides you through everything from market turbulence to tax strategies to estate plans and beyond.
And yes, that kind of work deserves fair compensation.
But fair doesn’t have to mean excessive.
What We Do at Impact Wealth Management
We charge a flat annual fee—$8,500 per year (or $2,125 per quarter). That fee stays the same whether your portfolio is $1M or $5M.
More importantly, our clients know exactly what they’re getting for that fee:
✅ Comprehensive financial planning
✅ Investment management
✅ Tax strategy
✅ Retirement income planning
✅ Estate and legacy coordination
✅ Insurance and risk management
✅ Ongoing advice, access, and deep, personal service
And here’s something else that matters:
We intentionally limit the number of clients each advisor works with—so you’re never just a name on a spreadsheet.
So Yes, You Can Save Money on Financial Planning
Just don’t do it at the expense of good financial advice.
You don’t need to choose between quality and value to save money.
With flat-fee financial planning, you can have a seasoned financial advisor, a thoughtful plan, and a strong relationship—without overpaying just because your investment portfolio hit a milestone.
If that sounds refreshing, let’s talk.