Tanager Financial is a registered investment advisor based in Irvine, California, founded and led by Keith Danner. The firm specializes in providing financial planning and consulting services on a flat-fee or hourly basis, including comprehensive financial planning, retirement planning, cash flow analysis, tax planning strategies, estate planning considerations, and education savings. Tanager Financial does not manage client portfolios directly, have custody of client assets, or make trades on behalf of clients, leaving all implementation decisions and execution responsibilities strictly to the client. The firm emphasizes passive investment management strategies using index mutual funds and exchange-traded funds when providing investment advice. Tanager Financial serves individuals, high-net-worth individuals, charitable organizations, corporations, and business entities, with a particular specialty in serving employees of colleges and universities.
Fee Structure
Tanager Financial offers ongoing advice and planning support through two separate subscription options:
- Ongoing advice — $200 per month during the first year, increasing to $300 per month thereafter. This includes up to four periodic planning meetings per year, ongoing planning and decision support, progress monitoring, investment guidance and portfolio review, and access to financial planning software.
- Guided Financial Foundations — $150 per month. This includes periodic portfolio reviews and investment guidance, guidance on retirement savings goals, risk assessment, and up to two periodic planning meetings per year.
- Comprehensive financial plan — $4,750 total fee, with $499 due upon signing the agreement and the balance due upon completion. Includes a personalized assessment of risk, evidence-based portfolio recommendations, long-term tax-aware retirement and investment planning, written recommendations, two months of implementation guidance, and two to three planning meetings.
- Hourly project-based planning — $300 per hour with a two-hour minimum ($499 due at the return of the engagement letter, with the balance due upon completion), focusing on specific topics such as retirement planning, cash flow, debt management, or tax planning.
- Early termination hourly rate — $300 per hour for hours already worked if a comprehensive plan is terminated early.