Joann Nieciecki

Creative Money offers a variety of fixed-fee financial planning sessions and project updates, with pricing varying depending on whether you work with a staff financial planner or the firm's founder, Melinda Crary:

• Young/Basic or Single Person Plan Update — $1,600 with a staff planner or $1,800 with Melinda Crary, for reviewing a previous plan without major life changes.
• Established Couple/Family/Retiree/Complex Plan Update — $1,800 with a staff planner or $2,000 with Melinda Crary, for couples reviewing an existing plan.
• Strategy Session (Young/Basic Single) — $2,300 with a staff planner or $2,600 with Melinda Crary, designed for starting careers without a home.
• Strategy Session (Young/Basic Couple) — $2,800 with a staff planner or $3,000 with Melinda Crary, for young couples starting out.
• Strategy Session (Established Single) — $2,700 with a staff planner or $3,000 with Melinda Crary, for established single homeowners or parents.
• Strategy Session (Established Couple) — $3,200 with a staff planner or $3,500 with Melinda Crary, for established couples who own or are buying a home.
• Strategy Session (Established Family) — $3,600 with a staff planner or $3,800 with Melinda Crary, for families with children and complex investments.
• Strategy Session (Pre-Retirement Single) — $3,000 with a staff planner or $3,300 with Melinda Crary, focused on pre-retirement planning.
• Strategy Session (Pre-Retirement Couple) — $3,600 with a staff planner or $3,800 with Melinda Crary, for couples nearing retirement.
• Strategy Session (Retirement Timeline Single) — $3,200 with a staff planner or $3,500 with Melinda Crary, for singles retiring within two years.
• Strategy Session (Retirement Timeline Couple) — $3,700 with a staff planner or $3,900 with Melinda Crary, for couples retiring within two years.
• Complex Session — $4,200 with a staff planner or $4,500 with Melinda Crary, for individuals or couples with complex assets like trusts or rental properties.
• Hourly Consulting — $475 per hour with a staff planner or $550 per hour with Melinda Crary, available to existing clients for specific requests.