What it costs, and who pays us.
Every fee is quoted in writing before we start. Paid only by you: no commissions, no product sales, no referral fees.
A complete plan, then it's yours
A written plan for your whole financial life, delivered as a three- or six-month engagement with follow-up help built in.
Good for
- Do-it-yourself investors who want a second opinion
- People with another advisor who want another set of eyes on the plan
- People whose situation doesn't need ongoing management, but who want to know they're on the right track and have a plan to get where they want to go
- People facing a big decision who need expert guidance
Ongoing planning
Planning, tax, and equity decisions all year, at a flat fee set to match your situation. The same fee whether or not we manage your investments.
- Everything in the one-time plan
- Two to four review meetings a year, plus as-needed
- Mid-year tax projection and year-end planning
- Equity grant reviews as they vest
- Direct access to your advisor between meetings
Investment management
Added to the planning fee if you'd like us to run the portfolio too. One flat rate, no tiers, no minimum. Negotiable above $20 million.
- Accounts held at Altruist, in your name
- Rebalancing, tax-loss harvesting, and asset location inside the plan
- Keep an existing manager if you prefer; we coordinate
Where your fee lands depends on your situation. You'll have the number in writing before we start.
What makes our pricing different.
Most advisors charge one fee, a percentage of the assets they manage, and the planning comes bundled in. We price the two separately. The planning fee is a flat retainer, set to match your situation. Investment management is its own flat rate, added only if you want us to run the portfolio.
So you can see what each piece costs, and you can get the advice without moving your accounts.
One bundled fee
- One percentage fee that covers everything
- Planning bundled in, so you can't see what it costs
- Advice usually depends on moving your accounts
- At some firms, commissions or product sales on the side
Luhman Wealth Partners
- A flat planning retainer, set to match your situation
- Investment management separate and optional, at one flat 0.50%
- Keep your accounts where they are if you prefer
- Paid only by you, in writing, and nothing else
What you get for the money.
Not a binder. A plan you actually use, and someone to help you get it done.
Clarity
Where you stand today, what matters most to you, and what needs to happen next to get you where you want to go.
Decisions made proactively, not reactively
Made in advance of the deadline, with the right experts brought in early.
A partner who knows you
When something comes up, you're not starting from scratch. You call someone who already knows your situation.
The work gets done by partners you trust
We coordinate with your CPA and attorney, keep the list moving, and help you execute, so you don't have to do it all on your own.
Your next step
Start with a quick intro call. No pressure. You tell us what's going on, we tell you how we work, and we both find out whether it's a good fit. If we're not the right fit, we'll help you find the advisor who is.
Book an intro call