One simple, transparent hourly fee for all your financial planning needs with a special focus on retirement planning
Based in Salt Lake, UT
Serving Clients Throughout the US
Advice-Only Financial Planning
You and your family deserve quality advice, transparent pricing, and low-cost investments.
- Only Pay For Advice
- No Hidden Fees And No Sales Pitches
- Hold On To More Of Your Money
How the absence of commissions and % fees works in your favor:
The emphasis on a flat, hourly fee structure rather than charging based on the value of an individual’s account or the products sold offers greater transparency and reduces conflicts of interest. This approach allows clients to receive advice tailored to their needs without the pressure of product sales influencing recommendations.
We encourage Investors to be mindful of...
… fees and expenses associated with their investments, whether in advisory services, mutual funds, or other financial products.
We help our clients understand...
… the impact of fees on investment returns is an essential aspect of making informed financial decisions and optimizing the long-term growth of a portfolio.
Stephen's model of financial guidance appeals to...
… individuals seeking more control over their financial planning and looking for unbiased advice and a personalized touch.
Jack Bogle, the founder of Vanguard®, often emphasized the impact of fees on investment returns.
“Fees matter,” encapsulates Jack’s philosophy that minimizing costs, including advisory fees, can significantly impact the long-term performance of investments. For example, 1.5% advisory fee might seem relatively small on an annual basis, but when compounded over several decades, it can indeed have a substantial impact on the overall returns of an investment portfolio. The more money that goes toward fees, the less is available for potential growth. Over a forty-year period a 1.5% advisory fee can reduce an investor’s future value of their investment by 45%.
"If you're considering financial advisory services, it's essential to assess your own financial goals and preferences to determine which approach aligns best with your needs."
Stephen Lay, CFP®, RICP®
We are located in the Salt Lake City metro area and can work via virtual meetings with almost anyone in the USA.