Services & Fee Schedule · 2025–2026
Transparent pricing for thoughtful planning.
Comprehensive, goal-oriented financial planning built around your full financial picture.
A note on fees: Financial planning fees are charged for planning and advisory services only, separate from any insurance product commissions. As a licensed FL 2-15 agent, commissions are earned on insurance and annuity placements. Planning fees will be disclosed in a written engagement agreement prior to services beginning.
Individual & Family
Financial Planning Services
Choose the engagement that matches the depth of advice you need.
R² Starter
Retirement Readiness Review
Ideal for clients who want a focused snapshot of their retirement trajectory and insurance coverage gaps without a full engagement.
Includes
- ◆Retirement income projection & gap analysis
- ◆Social Security optimization overview
- ◆Life & disability insurance gap review
- ◆Basic tax-bucket summary (pre-tax / Roth / taxable)
- ◆Written findings summary
- ◆One 60-minute review meeting
Comprehensive Plan
Full Financial Blueprint
A full financial plan delivered across two to three meetings. Covers every major planning area with actionable recommendations.
Includes
- ◆Net worth statement & cash flow analysis
- ◆Retirement projections with Monte Carlo scenarios
- ◆Tax planning strategy (Roth conversions, bracket mgmt)
- ◆Insurance needs analysis — life, disability, LTC
- ◆Debt payoff sequencing & cash reserve strategy
- ◆Estate planning review (beneficiary audit)
- ◆Education funding projection (529 / alternatives)
- ◆Written plan document + executive summary
- ◆Two to three 60-minute planning meetings
Ongoing Advisory
Annual Retainer
For clients who want an ongoing planning relationship with regular check-ins and plan updates as life evolves.
Includes
- ◆Annual comprehensive plan update
- ◆Quarterly financial review meetings
- ◆Tax season planning coordination
- ◆Life event plan updates (job change, marriage, etc.)
- ◆Priority scheduling & email access
- ◆Insurance portfolio review at renewal
Targeted Engagements
À La Carte Planning
For clients who need focused advice on a single planning area without a full engagement.
Insurance Needs Analysis
Life, disability, LTC gap review. Carrier comparison & coverage recommendations.
IUL Strategy Session
Tax-free retirement income bucket analysis. Carrier comparison (Allianz, Nationwide, etc.).
Roth Conversion Analysis
Multi-year conversion strategy, tax projection, bracket management planning.
Social Security Optimization
Breakeven analysis, spousal coordination, claiming strategy report.
Debt Payoff Strategy
Avalanche vs. snowball modeling, refinancing analysis, cash flow optimization.
Hourly Consultation
For specific questions, second opinions, or plan reviews brought from another advisor.
Employer-Sponsored
Group Benefits Consulting
Broker-of-record services for small and mid-size employers.
Group Health Brokerage
Full-service health plan design, carrier quoting (Florida Blue, Aetna, UHC), employee education, and annual renewal management for small groups 2–50.
Carrier-Paid Commission
no employer fee
Voluntary Benefits Enrollment
Supplemental benefits design and enrollment — accident, critical illness, hospital indemnity, short-term disability, dental & vision.
Carrier-Paid Commission
no employer fee
Benefits Strategy Consulting
Annual benefits benchmarking, total compensation analysis, level-funded plan evaluation, and HSA/HRA program design.
From $500
per engagement
Employee Financial Wellness
Group financial education sessions, retirement readiness workshops, and individual employee planning sessions as an employer-paid benefit.
From $1,200
per workshop
Ready to take the next step?
Whether you're planning for retirement, reviewing your insurance coverage, or designing employee benefits, our team is ready to help.
Schedule a Free Consultation