Philosophe Financial is a registered investment advisor offering financial planning and non-discretionary investment advisory services primarily through individual consultations on an hourly basis. Philosophe Financial helps clients evaluate and improve their overall financial situation by providing advice and recommendations on topics such as saving, budgeting, debt management, retirement planning, tax planning considerations, education funding, charitable giving, and risk management. Philosophe Financial does not take custody of client assets, does not execute trades, and operates with a fee-only structure. Clients retain full authority over their investment decisions. Philosophe Financial also offers pre-purchased planning time arrangements at discounted hourly rates.
Fee Structure
Philosophe Financial offers ongoing financial planning services for clients who want continuing support after an initial plan is created. This service includes periodic review meetings, updates to financial projections, monitoring progress toward goals, and ongoing consultations as circumstances change. Ongoing planning is billed on a recurring hourly basis or through pre-purchased planning time arrangements.
- Hourly planning — $150 per hour for general or specific financial planning and investment advice
- Pre-purchased planning time packages — $100 to $150 per hour for a specified number of advisory hours or a defined series of meetings
- Initial financial planning fee — $50 initial deposit for new clients covering initial consultation and planning activities