Tender Wealth is a registered investment advisor founded in January 2026 and located in Silver Spring, Maryland. Owned and operated by Jessica M. Horner, Tender Wealth specializes in offering personalized financial consulting and comprehensive financial planning services to individuals and high-net-worth individuals. The firm operates as a registered investment advisor and acts as a legal fiduciary, meaning Tender Wealth is required to act in your best interest at all times. Tender Wealth focuses exclusively on financial planning and consulting rather than managing investment portfolios directly; clients retain full responsibility for executing investment decisions and implementing recommendations. Financial planning engagements cover a broad range of topics, including goal prioritization, net worth and cash flow analysis, insurance needs review, tax minimization strategies, education expense planning, asset allocation recommendations, and estate planning coordination. Services are available through ongoing monthly engagements, hourly consultations, or project-based educational seminars. Tender Wealth charges fees based on assets under advisement for consulting, hourly rates or monthly fixed fees for planning, and project rates for workshops, with no commissions or third-party product sales.
Fee Structure
Tender Wealth offers ongoing financial planning engagements structured around monthly fixed fees:
- Monthly fixed fee — $208 per month for ongoing engagements lasting between six and twelve months, which includes monthly meetings to review recommendations and maintain your financial plan.
- Consulting fee — 0.50% per year based on assets under advisement, billed in advance each month.
- Hourly financial planning — $35 to $208 per hour, with at least one client meeting included in the deliverables.
- Educational seminars and workshops — Up to $650 per one-hour presentation for businesses and organizations covering budgeting, financial literacy, and retirement planning.