Stellar Wealth Management offers financial planning and non-discretionary investment advice to individuals and families, with a focus on military members, federal employees, and small business owners. Stellar Wealth Management provides three main services: one-time financial planning, ongoing monthly subscription planning, and hourly consulting. The firm does not manage portfolios directly, place trades, or hold custody of client funds, instead providing non-discretionary asset-allocation recommendations and investment selections for clients to implement at the custodian of their choice. The firm's principal also operates a separate tax preparation practice, which is managed with strict separations and disclosures to avoid conflicts of interest.
Fee Structure
Stellar Wealth Management charges a monthly subscription fee for ongoing financial planning and continuous monitoring, which includes an initial written financial plan, periodic check-in meetings, an annual written review, and an annual non-discretionary investment review.
- Month 1 — $500 paid at signing
- Months 2 through 12 — $350 per month, billed at the end of each month
- Month 13 onward — $300 per month, billed at the end of each month
The annualized cost is $4,350 for the first year and $3,600 per year thereafter.
- One-time financial plan — $2,500 to $30,000 depending on the complexity of your situation, the number of topics covered, and the estimated hours required, covering retirement, tax, estate, insurance, cash flow, and benefits optimization
- Hourly consultation — $350 per hour for targeted advice on specific questions or documents