Scientific Financial is a fee-only registered investment advisor based in Texas, founded in 2022 by Ross Dugas. The firm specializes in comprehensive financial planning, fixed-fee financial advice, hourly consulting, and an ongoing support and maintenance program. Scientific Financial does not manage investment portfolios or exercise discretionary authority over client accounts, focusing instead on financial planning, cash flow management, retirement projections, tax strategies, estate planning, and risk management. Clients receive actionable advice and written financial plans, but remain responsible for implementing recommendations themselves through their own custodians or broker-dealers. Scientific Financial operates on a fee-only model, meaning compensation comes strictly from client fees without commissions, product sales, or third-party referral kickbacks.
Fee Structure
Scientific Financial offers an Ongoing Support and Maintenance program for clients who have completed a comprehensive financial plan. This program is charged as a monthly fixed fee and includes:
- Ongoing access to financial planning software
- Email support for financial questions
- A limited quantity of one-on-one meetings to review goal progress, investments, and retirement allocations
- Discounts on future engagements
- Comprehensive financial plan — $4,000 to $8,000 based on complexity, paid via a short-term monthly payment plan with an initial fee up to $2,000 covering plan construction.
- Fixed-fee financial advice — $200 to $8,000 for limited-scope, project-based engagements addressing specific questions or topics.
- Hourly financial advice — $200 to $400 per hour for targeted consulting on specific financial issues.