How Much Does Financial Planning Cost? (And Why It’s Worth Every Penny)
Understanding KLD Wealth’s Pricing—and the Value Behind It
Let’s be honest: pricing is one of the first things people want to know when looking for a financial advisor—but it’s also one of the hardest things to find clear answers about.
That’s why I believe in transparent, straightforward pricing. Financial planning is built on trust, not sales, and you deserve to know exactly what you’ll pay, what’s included, and how it helps you reach your goals.
Let’s break it down.
💬 Why Financial Planners Charge Fees (And Why That’s a Good Thing)
When you hire a financial planner, you’re not paying for a binder or a fancy report—you’re investing in clarity, strategy, and confidence.
You’re paying for:
Experienced insight that helps you make better financial decisions and avoid costly mistakes
Personalized strategies for retirement, taxes, investments, and life goals
A sounding board for major decisions—like buying a home, funding college, or planning for business transitions
Ongoing support from someone who understands your financial picture and goals
Peace of mind when markets get noisy or life throws you a curveball
You’re not buying products. You’re building a partnership focused entirely on your success.
✅ Why Fee-Only, Fiduciary Planning Matters
Many financial professionals still earn commissions from what they sell. That creates conflicts of interest that don’t belong in personal financial advice.
KLD Wealth operates differently:
Fee-Only – Compensation comes only from clients, never from product sales or commissions.
Fiduciary Standard – Legally and ethically bound to act in each client’s best interest, always.
Transparent Pricing – You’ll always know what you’re paying for—no surprises, no hidden fees.
This structure ensures that every recommendation centers on your goals, not on sales incentives.
🎓 A Commitment to Education and Expertise
Expertise matters—especially when your future is on the line.
As the founder and planner at KLD Wealth, I’m a CERTIFIED FINANCIAL PLANNER™ professional with:
A Bachelor’s in Finance from Miami University
A Master’s in Personal Financial Planning from Kansas State University
A Graduate Certificate in Financial Therapy
Ongoing continuing education to stay current on tax laws, retirement rules, and behavioral finance
Because your money deserves more than generic advice—it deserves depth, integrity, and skill.
💡 Simple Pricing That Fits Real Life
Financial planning should be flexible and easy to understand. That’s why I offer two distinct services designed to fit your goals and preferences:
Ongoing Financial Planning
Flat Monthly Fee: $50–$1,000/month based on complexity
This service is ideal for individuals and couples who want ongoing financial guidance, accountability, and clarity—without tying fees to investment balances.
Included Services:
Personalized, values-based financial plan
Quarterly review meetings and ongoing support
Cash flow, savings, and debt optimization
Retirement income and projection planning
Tax planning and Roth conversion strategies
Insurance and estate planning guidance
Coordination with your CPA, attorney, or other professionals
Access to your secure online financial portal
Best For:
Clients who want comprehensive planning but prefer to manage their own investments.
Investment Management
Annual Fee Based on Assets Under Management (AUM):
Assets Managed Annual Fee
$0 – $250,000 =1.25%
$250,001 – $500,000 =1.00%
$500,001 – $1,000,000 =0.85%
$1,000,001 – $5,000,000 =0.70%
$5,000,001 and Above = 0.60%
Fees are billed monthly in arrears and vary depending on complexity and total assets managed.
Included Services:
Professionally managed, tax-efficient portfolios
Continuous monitoring and rebalancing
Regular investment reviews and clear recommendations
Strategies aligned with your goals, time horizon, and values
No commissions, no product sales, no hidden fees
Special Benefit:
Clients with $500,000 or more in managed assets receive ongoing financial planning at no additional cost.
Project-Based Financial Planning
Flat or Hourly Fee: $500–$15,000 | Hourly Rate: $194.90
Designed for clients who want focused guidance on a specific area—such as retirement readiness, equity compensation, or tax strategy—without an ongoing relationship.
💡 What You’re Really Paying For
You’re not paying for paperwork, you’re investing in progress.
The value of ongoing advice is having someone who:
Thinks about your finances when you’re busy living life
Monitors tax laws, market shifts, and planning opportunities year-round
Reaches out proactively when it’s time to adjust your strategy
It’s the difference between reacting to change and being prepared for it.
🛠️ Tools That Keep You In Control
You’ll have secure access to a personal financial portal that organizes everything in one place—so you can see your net worth, cash flow, investment performance, and retirement projections anytime.
It’s not just about seeing numbers. It’s about understanding how they connect to your goals and the life you’re building.
💬 Personalized, Human Advice
When you work with KLD Wealth, you work directly with me—your dedicated planner.
You’ll always get:
Real conversations in plain English
Timely answers when questions pop up
Guidance rooted in empathy, not judgment
Support when making big life decisions
You’re not just hiring an advisor—you’re gaining a partner who knows your story.
🎯 Planning That Reflects Your Values
Money is just a tool. What matters is what it helps you do.
Your plan can reflect what’s most important to you—whether that’s faith, family, freedom, or philanthropy.
If giving is part of your mission, we’ll build that in.
If sustainability or legacy matters, your portfolio can reflect that.
If you’re working toward early retirement, your plan will help you get there intentionally.
It’s not just about wealth—it’s about creating a life aligned with your values.
🧭 Not Sure Which Option Is Right for You?
Let’s talk about your goals, your lifestyle, and what kind of support fits best.
You’ll get clear, straightforward guidance—never pressure.