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Financial Planning Service Options
Sage Financial offers fiduciary financial planning for one transparent, flat fee. We will never sell you any products or make commission from recommendations; all financial advice and recommendations to you are in your best interest, always.
1
Financial Advice
Fee-Only Hourly Advising
$300/hour flat fee
A three-hour minimum applies.
Hourly advising is available for targeted support to explore one specific goal or to make a time-sensitive decision. It’s a flexible option when you want clarity and actionable guidance without committing to comprehensive planning.
Hourly Advising is a good fit when you need focused financial advice and recommendations on one topic, such as:
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Cash flow analysis
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Emergency fund building
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Home buying preparation
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Debt management planning
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Employee onboarding or Open Enrollment elections
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Equity compensation awards, purchases or sale decisions
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Investment account opening
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Retirement analysis
Hourly advising projects typically take 3-5 hours of meeting time and background planner work. Fees are billed per quarter hour once the minimum is met.
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For more complex needs or broader planning, we recommend starting with a One-Time Plan.
2
Financial Check Up
One-Time Financial Plan
$3,000-$6,000 per plan*
$500 initial fee plus four monthly payments.
Over the course of a few months, we'll build a comprehensive financial plan by assessing and optimizing each aspect of your financial life, and building a plan to get you on track for your personal goals.
One-Time Planning is a good fit when you want a holistic check-up of each aspect of your financial life:
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Financial literacy & education
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Goal identification & prioritization for all life goals, e.g.
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Buying a home or rental property
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Taking a career break
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Planning for a sabbatical
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Growing a family
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Charitable giving
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Debt management planning
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Employee benefits optimization
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Equity compensation planning
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Retirement planning
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FI/RE
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Investment planning
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Tax planning
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Risk management & insurance planning
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Education planning
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Estate planning
*Fee based on complexity. Comprehensive plans typically take 10-20 hours to complete.
3
Ongoing Planning
Planning Subscription
$4,200-$9,600 first year*
Billed pro rata monthly or quarterly.
For the highest level of accountability and expert guidance, we can work together ongoing to best support your long-term financial wellness, security, and capacity to achieve your financial goals.
Ongoing Planning is a good fit for consistent support, plan reviews, & ensuring you always know your best next steps for your goals:
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Financial plan implementation assistance and consistent accountability
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A financial partner in your corner to help you strengthen and practice your financial knowledge, habits and decision-making
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Prescheduled quarterly review meetings to keep your plan updated
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Unlimited communication with your advisor between meetings
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Support from your advisor to address federal and state legislation changes
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Money mindset behavior coaching
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Annual Open Enrollment reviews
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Tax efficiency planning
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Decision-making support for vesting equity comp shares, e.g. ISOs, RSUs, NSOs, ESPP, SARs
*Fee calculated based on complexity.
Estimated client fees are based on complexity, and will be calculated and presented after the introductory meeting. Sage Financial Planning, LLC retains the discretion to negotiate or otherwise present alternative fee estimates on a client-by-client basis based on the expected complexity of the client situation and estimated time required to complete the project scope and/or plan.
Income level, net worth, dependent status, property ownership, equity compensation awards and other miscellaneous complexities such as business ownership and trust ownership are factors that will impact the applicable planning fee.
