What We Charge
Financial Planning Services
- Lifetime access to your personalized financial planning portal
- Unlimited email communication with your planning team
- Third-party call assistance when needed
- Ongoing Everplans subscription for digital organization and legacy planning
- Flexible meeting structure tailored to your priorities
- Ability to incorporate specialty topics such as debt planning, student loans, or stock options
Framework Foundation Package
- Upfront fee: $1,200
- Monthly fee:
- $225/month (individual)
- $350/month (couple)
- Cancel anytime
- A guided onboarding process to organize your financial life
- Goal-setting and planning recommendations tailored to your priorities
- A structured 12-month engagement including:
- Regular progress check-ins
- Rotating reviews of tax, estate, investment, and risk planning
- CFP® meetings to review progress and adjust strategies as life changes
- Final CFP® meeting with a comprehensive plan review
- Options to conclude services or transition into an Investment, Retainer, or Combination Model
Framework Forward Package
- Pre-retirees within five years of retirement
- Clients who need both a financial plan and investment management support
- Upfront fee: $1200
- Monthly fee:
- $225/month (individual)
- $350/month (couple)
What You’ll Experience
- Retirement-focused planning to clarify income, expenses, and long-term goals
- CFP® guidance on estate, insurance, and investment strategy
- Structured check-ins and targeted reviews to keep retirement plans on track
- Investment recommendations based on planning goals and income needs
- Assistance with account transfers/rollovers
- Final meeting to outline next steps and long-term support options
Framework Focused Package
- $1,800 upfront
- $225/month for 12 months (individual)
- $350/month (couple)
- Asset movement optional
- Everything in Framework Foundation
- Two additional CFP® specialty meetings in place of educational reviews
- Long-term care and family planning
- Stock option and equity compensation planning
- Tax coordination with your CPA
- Charitable giving strategies
- A guided onboarding process to organize your financial life
- Goal-setting and planning recommendations tailored to your priorities
- A structured 12-month engagement including:
- Regular progress check-ins
- Rotating reviews of tax, estate, investment, and risk planning
- CFP® meetings to review progress and adjust strategies as life changes
- Final CFP® meeting with a comprehensive plan review
- Options to conclude services or transition into an Investment, Retainer, or Combination Model
Hourly Planning Services $225-$350/hr
Hourly rates are available for those who only need guidance in one specific area of their financial life such as:
- Healthcare Enrollment Assistance
- Education Planning
- Company Benefits Enrollment
- Pre-marital Financial counseling
- Home/large purchase planning
- Social Security Planning and Enrollment
- Medicare Planning and Enrollment
- Late Stage College Planning
- Debt and Student Loan Management
Fee-based managed accounts
Fee-based managed accounts (min 25k)
25k-500k: 1.5% plus one time $1200 Financial Planning fee
500k-2 million: 1.25% and one time $1200 Financial Planning fee
Over 2 million: 1% and one time $1200 Financial Planning fee
Ongoing financial planning services included with all fee based managed accounts.
*Commission based accounts available for accounts under 100k and for those over 100k by request. Commission costs based on investment selection and will be disclosed before final selection.
Disclosures
- Client responsible for professional fees billed outside Framework Financial Planning.
- Please note that certain Financial Instruments are only available on a commission basis. When these investments or insurance products are appropriate to recommend, we provide full disclosure as to their cost structure and any inherent conflicts of interest.
Please note that there is a complete Fee Schedule for Osaic Wealth on the firm's Form ADV Part 2A and the fees listed here are within range of fees permitted by the firm. For more information regarding fees, please request a copy of the firm's ADV Part 2A or visit https://adviserinfo.sec.gov.
*Actual fees may be higher or lower depending upon each client’s specific situation and the products they select. Investors should note that the deductions of fees will impact overall account returns.
Group Workshops- No Charge
Not sure whether you want or need one-on-one guidance? These workshops are designed to introduce basic concepts and to give attendees tools to start organizing their finances, as well as direction on what they should include in a financial plan. Each session includes a checklist with actionable steps you can take to begin financial planning.
Please contact Krissy Espey at 828-476-8400 ext 403 for more information or to schedule a workshop. Workshops are limited and free of charge. They can be conducted in-person or as a live webinar.
Workshop Topics we offer:
- How Tax Planning Changes through Four Stages of Retirement
- Social Security Planning for Women
- Social Security Planning for Couples
- Managing Healthcare Expenses in Retirement
- Transitioning to Medicare
- CyberSecurity Tips and Tricks to Protect Your Online Info
- Strategies to Save on Taxes and Get More Out of Your IRA
- Four Keys to Cut College Costs : How to Avoid Overpaying
- Long Term Care Planning Done Right
- Estate Planning Part 1- Six Steps to Legacy Planning
- Estate Planning Part 2- How to Execute a Smooth Transfer of Assets
**New** Framework Forever File $800.00
Basic Package
This includes Framework Forever File box, thumb drive, password log book and scanning and shredding services for two banker boxes of paperwork. Banker boxes provided. Additional boxes of paperwork $250/each.
Everplans Digital Storage Add On
Everplans Access Do it Yourself - $250.00 one time fee for ongoing access
Everplans Access Fully Loaded (we do it for you) - $750.00 includes ongoing access and document download to Everplan folders.
*Framework Forever File is available in Waynesville and Charlotte only