Pricing
You're paying for the thinking.
Not a product. Not a transaction. The work is understanding your whole situation before anything gets recommended, and that work is what the fee covers.
Financial planning and investment management are priced separately. Here's what each one costs.
How I'm paid
Eclipse is fee-based. You pay for advice. When a plan calls for a product or an account to be managed, I can handle that implementation directly, and I'm compensated for it. That arrangement is disclosed to you before anything is put in place.
What matters is the order those things happen in. The advice comes first, and it stands on its own. Implementation follows only when it actually serves the plan, never because it's the only way I get paid.
A prescription without an examination is malpractice.
That's why the planning fee exists. The examination is the work. Whatever gets prescribed afterward, if anything, is a separate decision, and it's yours.
Two ways to begin
A one-time plan, or an ongoing relationship. These are alternatives, not add-ons. You pick one.
One-time
The Financial Plan
$3,300
One-time fee
A complete, one-time financial plan. I map your full picture, build the strategy, and hand you a clear set of next steps to act on.
- Full review of your financial life
- Written plan with prioritized next steps
- Equity compensation strategy
- Yours to implement however you choose
12-month engagement / Best fit for most
The Planning Relationship
$550
per month
An ongoing partnership for people who want a plan that stays current. Twelve months of continuous strategy, with one advisor who knows the whole picture.
- Everything in the one-time plan
- Ongoing strategy as decisions come up
- Plan revisited and adjusted as life changes
- Direct access throughout the year
Unusually complex situations may carry an additional fee, quoted before you commit.
Investment management
Financial planning and investment management are offered separately. You are welcome to implement your recommendations on your own, with another advisor, or with me under a separate investment management agreement. When we work together, your rate comes down as your assets grow.
| Assets under management | Annual rate |
|---|---|
| $0 – $250,000 | 1.25% |
| $250,001 – $500,000 | 1.20% |
| $500,001 – $1,000,000 | 1.14% |
| $1,000,001 – $2,000,000 | 1.09% |
| $2,000,001 – $3,000,000 | 1.04% |
| $3,000,001 – $4,000,000 | 0.99% |
| $4,000,001 + | 0.88% |
Billed monthly in arrears. $5,000 account minimum. Advisory program: Advisor as Portfolio Manager. Fees are current as of publication and subject to change. Additional platform, strategist, or related fees may apply; see the firm's ADV Part 2A and your client agreement.
The right question isn't what it costs. It's what it's worth to have every decision working toward the same thing.
The first conversation is free, and there's no obligation attached to it. We'll talk about where you are, where you'd like to go, and whether this is a fit.
Schedule an Introductory Conversation