How Much Does Financial Planning Cost? KLD Wealth Fees Explained

“How much will this cost?” is a fair question to ask before you share your finances with an advisor. The answer should tell you what you will pay, what work is included, and whether anything else will come out of your account.

At KLD Wealth, we publish our pricing so you can begin that comparison before our first conversation. The short answer is that ongoing planning starts at $200 per month for a single client or $300 per month for a married couple. Focused hourly planning is $194.90 per hour. If you want us to manage investments, a separate progressive fee applies to the assets we manage. We confirm your actual scope and fee in writing before you engage us

What changes the price of a financial plan?

A household with a straightforward retirement question needs different work from one balancing a business, several rental properties, stock awards, special-needs planning, or a complex tax picture. Our monthly minimums are starting points. We talk through the decisions in front of you, the information we will need, and the ongoing work that would be useful before quoting your fee.

For an ongoing planning relationship, we connect decisions about cash flow, retirement, taxes, benefits, insurance, estate priorities, and investments. We revisit the plan through seasonal reviews as the facts change. The topics and deliverables in your plan depend on your situation and written agreement.

You can work with us on financial planning without transferring your investments. If we do not manage an account, you remain responsible for placing trades in that account. We will explain who handles each part of the work. See how our planning process works.

What if we manage your investments?

For clients whose assets are managed on our investment platform, we cover the platform, custody, trading, and other investment account fees. Clients still pay our investment management fee and the fund-level expenses of the investments they own. Those internal fund costs are reflected in the fund's returns rather than billed as a separate KLD fee.

This distinction matters when you compare advisors. A proposal that lists only an advisory percentage may leave you wondering who pays for account activity or what the underlying funds cost. We will explain both our fee and the fund-level expenses relevant to a recommended portfolio before you decide. If you have accounts outside our platform, ask that provider about its costs as well.

What the $500,000 example means: The $5,625 annual figure is KLD's investment management fee for that example. We cover the platform-related account fees. Fund-level expenses still apply. There is no separate ongoing planning fee at that managed-asset threshold.

We are fee-only, so our compensation comes from client fees rather than commissions for selling financial products. That does not remove investment risk or every potential conflict. Our public Form ADV describes our services, compensation, and disclosures.

What if you only need help with one question?

Not every decision requires an ongoing relationship. We offer focused hourly planning at $194.90 per hour for an agreed, limited scope. That might be a retirement projection, a choice involving stock compensation, or a question about keeping or selling a rental property. We define the question, expected work, and fee terms in writing. Hourly work does not include ongoing reviews or account management unless we separately agree to those services.

How do you decide whether an advisor's fee is worth it?

Compare the total cost with the work you will receive. Ask who will lead your plan, which decisions the advisor will help you make, how often you will revisit them, and what you will need to implement yourself. If you already have an advisor who meets those needs, a change may not be worth the time or cost.

We can tell you our published rates here, but your written proposal is where the number becomes personal. It should make the work, the fee, and each person's responsibilities clear. You should have time to review it and ask questions before deciding.

Want a starting number? Use our fee estimator. If you would rather talk through the question first, schedule a 20-minute initial interview. No account statements are needed for that first conversation.