Pricing

Transparency is one of our core tenets.

Ongoing Financial Planning Fees

Our pricing for ongoing planning starts at $6,000 per year ($500 per month or $1,500 per quarter). Ongoing planning fees are based on the complexity of your financial picture. This flat planning fee includes ongoing comprehensive financial planning services plus investment management services on up to $250,000 assets managed by Flow.

Investment Management Fees

Once the size of the investment portfolio we manage for you exceeds $250,000, investment-management-specific costs follow a declining tiered model in addition to your base financial planning fee:

Assets Under Management	Annual Advisory Fee
$0 – $249,999	Included with Ongoing Financial Planning
$250,000 – $999,999	0.50%
$1,000,000 – $2,499,999	0.45%
$2,500,000 – $9,999,999	0.40%
$10,000,000 – $24,999,999	0.35%
$25,000,000 and Above	0.30%

We only offer investment management services to ongoing financial planning clients of Flow, as we feel it’s impossible to align your investments with your overall financial picture if we don’t understand it and review it with you regularly through our financial planning process.

We do not charge asset management fees for investment assets held away in active workplace retirement plans.

Here’s how the investment management schedule looks in practice:

Example 1:

James and Tullia have $2,500,000 in total investible assets. $500,000 of their total portfolio is in Sarah’s 401k at work.

The remaining $2,000,000 is managed by Flow.

They pay 0.00% on the first $249,999, 0.50% on the next $750,000 and 0.45% on the remaining amount up to $2,000,000. The quarterly fee is determined by the following calculation: (($749,999 x 0.50%) + ($1,000,001 x 0.45%)) ÷ 4 = $2,062.50, or $8,250 per year.

Example 2:

Leah and Trent have $500,000 in total investible assets. All of these assets are managed by Flow.

They pay 0.00% on the first $249,999, and 0.50% on the next $250,001.

The quarterly fee is determined by the following calculation: ($250,001 x 0.50%) ÷ 4 = $312.50, or $1,250 per year.

Payment timing and refunds:

For financial planning fees, clients can elect to pay monthly or quarterly, in advance. For investment management services, payments occur only quarterly, in advance.

If at any point we evaluate our relationship and decide to stop working together, you will receive a pro-rated refund of any pre-paid financial planning and investment management funds, prorated to the day of termination.

Initial Consultation