BRIO Financial Planning is an independent, fee-only advisory firm founded and operated by Michelle J. Morris, offering comprehensive financial planning, tax preparation, and investment management services to individuals and families. The firm specializes in serving as a trusted guide through an ongoing open retainer relationship, covering key areas such as asset allocation, budgeting, cash flow management, retirement planning, education funding, insurance, estate planning, and self-employed business planning. BRIO Financial Planning takes a holistic approach that integrates investment strategies with individual tax planning and return preparation. Clients receive personalized guidance and investment oversight using non-discretionary authority, meaning every trade requires client approval. The firm does not sell financial or insurance products, accepts no commissions, and operates under a legal obligation to act in the client's best interest. In addition to ongoing retainer engagements, BRIO Financial Planning offers targeted custom projects for clients with narrower, one-time needs.
Fee Structure
Investment management is included as part of BRIO Financial Planning's ongoing open retainer service. The annual fixed fee covers both continuous financial planning and investment oversight, and is determined by the total value of your investable assets:
- Under $1,000,000 — $6,000 per year
- $1,000,000 to $2,000,000 — $8,500 per year
- $2,000,000 to $3,000,000 — $12,500 per year
- Over $3,000,000 — $17,000 per year
There is an initial onboarding fee ranging from $1,500 to $4,000 due at the start of the relationship. An additional $1,000 per year is added to the fee if you have self-employment income requiring specialized tax reporting, custom quarterly tax estimates, or retirement plan setup. Fees are billed quarterly in arrears.
