Financial Planning HQ is a registered investment advisor based in San Antonio, Texas, that specializes in ongoing financial planning and wealth management. The firm offers two primary service paths for individuals. For clients with $1 million or less in investable assets, Financial Planning HQ provides combined financial planning and wealth management, where the firm helps coordinate investment strategies implemented by an unaffiliated third-party money manager. For clients seeking standalone planning, Financial Planning HQ creates broad-based or targeted financial plans covering retirement, debt reduction, estate planning, and education funding, typically recommending this service for individuals with $2 million to $5 million in investable assets. Financial Planning HQ does not directly manage investment portfolios or hold client funds, instead referring clients to third-party platforms like Orion Portfolio Solutions for portfolio execution and management. The firm meets regularly with clients throughout the year to review progress, update financial plans, and coordinate insurance and tax strategies.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.00% |
Financial Planning HQ charges up to 1% of assets for wealth management and combined services (up to 1.25% for certain legacy clients). Third-party money manager fees range from 0.35% to 0.65% and are charged separately.