CLEAR, FLAT-FEE PRICING
No commissions. No surprises.
You'll never wonder how we get paid or worry that our recommendations are influenced by outside incentives.
We charge a transparent annual fee based on the complexity of your financial life, not your portfolio size. That means our advice is always in your best interest and your fee won't automatically increase year after year just because your investments grow.
We don't believe in surprises or fine print. We're interested in building a partnership that helps you ditch the worry for tomorrow and start living confidently today.
OUR FEE STRUCTURE
At MTM Planning, we use an Ongoing Financial Planning Model designed for continuous support and accountability. We charge two distinct, transparent fees:
1. INITIAL ONBOARDING FEE (ONE-TIME)
This covers the intensive work required to build your foundational financial plan and create all necessary implementation strategies.
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Fee Range: $1,500 – $2,500 (one-time)
2. ONGOING FIXED ANNUAL FEE (BILLED QUARTERLY)
This fee ensures you have a dedicated partner managing your financial life. Your cost stays flat, predictable, and is never tied to your account balance.
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Annual Fee: Starting at $5,000 annually*, billed in easy quarterly installments of $1,250
During your initial consultation, we'll present a fixed price proposal tailored to your household. This price includes everything…no hidden fees, no surprises.
Your fee is reviewed annually but only adjusted if the complexity of your financial situation has significant changes. Any adjustments are always discussed with you well in advance.
*Please note, this is our minimum annual fee.
WHAT'S INCLUDED?
Your flat fee covers everything you need for a fully integrated financial plan:
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Comprehensive financial guidance across all areas of your life
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Ongoing check-ins and plan updates as your life changes
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Coordination with your tax and legal professionals
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Full access to us between scheduled meetings
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Accountability and support to keep you on track
You get advice built around your life without worrying about extra bills for every question you ask.
WHAT IF MY SITUATION IS MORE COMPLEX?
Many clients fall within our standard fee structure. However, your fee may be adjusted upward if your situation includes:
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Owning multiple rental properties
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Running a business with income over $50K
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Managing stock options or equity compensation
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Preparing for an IPO or other liquidity event
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Planning an international move or managing cross-border finances
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Navigating complex executive compensation packages
If any of these apply to you, we'll discuss it upfront during your consultation so you know exactly what's included and what to expect. Our pricing is always fair, transparent, and thoughtful.
HOW NEW CLIENTS GET STARTED
When you become a client, here's what to expect:
To get started: Your initial payment covers two things:
- Your one-time onboarding fee ($1,500–$2,500)
- Your first quarter of ongoing service
This gets your comprehensive financial plan built and your first quarter of planning support underway.
After that: You'll continue with quarterly payments, giving you year-round access to your planning team and ongoing support.
Everything is clearly outlined in your proposal.
WHY FLAT FEES WORK BETTER FOR YOU
As your portfolio grows, your fee does not automatically grow with it. Unlike advisors who charge a percentage of assets, your fee stays predictable and fair. You keep more of your returns
We're incentivized to give you the best advice…period. Because we don't earn commissions on products or get paid more when you invest more, our recommendations are always about what's right for you.
You know exactly what you're paying. No complicated calculations, no hidden fees, no wondering if your bill will jump next quarter. Just clear, honest pricing.
