Emerick Financial Planning provides comprehensive and modular financial planning services to individuals, high-net-worth individuals, and small businesses. Carl Emerick, a Certified Financial Planner and Certified Public Accountant, operates the firm as a registered investment advisor held to a fiduciary standard, meaning he is legally required to put clients' best interests first. The firm specializes in areas such as cash flow and budgeting, debt management, insurance reviews, employee benefits, personal retirement planning, college funding, tax strategies, estate planning, and investment consultation. Clients can choose broad-based comprehensive plans or modular planning focused on specific topics. Emerick Financial Planning does not manage investment portfolios on an ongoing basis, take custody of client assets, or sell financial products for commissions. Instead, clients retain full control over implementing recommendations through their own custodians.
Fee Structure
- Initial Financial Assessment — $120 to $360 per hour, typically 60 to 120 minutes, for gathering information, defining goals, and providing basic recommendations and a summary report.
- Project-Based Financial Planning — $500 to $1,000 per plan depending on complexity and the time involved, covering broad-based comprehensive plans or specific modules like retirement or college funding.
- Hourly Planning Engagement — $120 to $360 per hour, billed in 15-minute increments for meetings, calls, research, and customized recommendations.
