Human Financial, LLC is a fee-only registered investment advisor based in Austin, Texas, founded in 2008. The firm specializes in holistic, whole-client financial planning and investment consulting for individuals, families, small businesses, trusts, and estates. Human Financial focuses on guiding clients through retirement planning, cash flow management, tax strategies, insurance reviews, estate planning, and understanding their emotional relationship with money. The firm does not sell financial products or earn commissions, ensuring objective advice. While Human Financial currently focuses on financial planning and advisory services rather than direct asset management, it uses passive index funds and Modern Portfolio Theory to recommend broad asset allocations tailored to each client's risk tolerance.
Fee Structure
Human Financial offers ongoing annual retainer agreements priced between $1,000 and $3,000 per year, depending on the complexity of your situation. This service is designed for clients who prefer continuous, recurring financial guidance and advice.
- Holistic Financial Plan — $2,500 to $4,000 depending on the complexity of your situation, covering retirement, taxes, estate planning, investments, and insurance, complete with a six-month implementation roadmap
- Implementation Assistance — $600 for an additional six months of help putting your financial plan into action
- Limited-Scope Hourly Planning — $150 per hour for targeted advice on specific financial questions or projects
- Follow-On Implementation Work — $150 per hour for meetings and tasks after your initial plan is delivered