Inceptive Financial is a registered investment advisor founded in 2020 and based in Atlanta, Georgia. The firm focuses primarily on financial planning, tax preparation, and tax planning services for individuals and high net-worth clients. Inceptive Financial tailors its services to each client's specific goals, time horizons, and risk tolerances, providing recommendations on resource allocation, retirement, education funding, and risk management. The firm does not sell investment securities, manage investment portfolios, or maintain custody of client assets. Instead, Inceptive Financial builds personalized financial plans utilizing long-term asset allocation principles and Modern Portfolio Theory without making specific security recommendations or exercising trading authority. Additionally, the firm offers periodic account monitoring services and financial planning services on a contract basis for other firms.
Fee Structure
Inceptive Financial offers ongoing plan updates for clients who purchase monitoring and update services:
- Quarterly Update — $250 per update to review and refresh your financial plan
- Annual Update — $250 per update to comprehensively review your financial plan annually
- Financial Plan Preparation — $795 to $995 depending on the specific services performed, covering comprehensive plan development
- Tax Return Preparation and Planning — $255 for tax services
- Quarterly Plan Update — $250 per quarter for ongoing review
- Annual Plan Update — $250 per year for an annual review