Deborah Wise

Wise Planning charges an annual flat fee for comprehensive personal financial planning based on the total investment assets and the complexity of your profile. Investment assets include all owned assets other than your personal residence, personal property, and closely held businesses.

• $0 to $800,000 — $3,000 per year
• $800,000 to $1,200,000 — $3,000 to $4,800 per year
• $1,200,000 to $1,600,000 — $4,800 to $6,400 per year
• $1,600,000 to $2,000,000 — $6,400 to $8,000 per year
• $2,000,000 to $3,500,000 — $8,000 to $10,000 per year
• $3,500,000 to $5,000,000 — $10,000 to $12,000 per year
• $5,000,000 to $7,500,000 — $12,000 to $15,000 per year
• $7,500,000 to $20,000,000 — $15,000 to $22,000 per year
• Over $20,000,000 — Negotiated

The minimum annual fee is $3,000, and client fees are reviewed at the end of each calendar year. Fees are generally payable quarterly in advance, though clients who were with Retirement Benefits Specialists prior to 1/1/2007 are billed in arrears.

• Hourly financial planning — $250 per hour for customized projects such as analyzing budgeting and cash flow, insurance needs, education funding, bond portfolios, or reviewing retirement plan structures and investment options for business owners.