Discussing Financial Planning Topics, Qualities of a Fee-Only Financial Advisor and Flat Fee Financial Advice
Welcome to our blog! We post about flat fee and fee-only financial advising. We also spend time talking about our service, including the mechanics behind it, the features, and the advisors we work with. We will have guest posts and features as well.
Please let us know about specific topics you'd like us to focus on. Feel free to reach out for any other reasons as well! We're a small business focused on the flat fee, fee-only advising community. We want to do all we can to provide support and help people find advisors that best match their needs.
Divorce Financial Planning: Are You Protecting Your Assets?
By Beth Stringer
High-income divorce isn't just emotional, it's a full financial restructuring that touches your taxes, retirement accounts, and estate plan all at once. Most high earners still step into costly traps: unequal after-tax settlements, forgotten beneficiary designations, and QDRO mistakes. This guide covers what to know before, during, and after.
Is a Flat Fee Financial Tax Advisor Right for Your Strategy?
By Beth Stringer
For $250K+ earners, financial tax advisor fee structures directly impact tax outcomes. Learn how AUM fees can conflict with Roth conversions, asset location, and charitable giving. See how flat fee advisors avoid these conflicts, what to ask your advisor, and how $10K–$50K in annual tax savings may be possible.
Fee-Only vs Flat Fee Advisors: The $660K Truth Exposed
By Beth Stringer
Think all fee-only advisors charge the same? This costly mistake could drain $660K from your wealth over 20 years. We reveal the three hidden fee structures within 'fee-only' advising and show exactly why flat fee advisors save high earners hundreds of thousands, without sacrificing service quality. See the math before your next advisor meeting.
Financial Planning for Young Professionals Earning $250K+
By Beth Stringer
Earning $250K+ but not building wealth? Most young professionals lose thousands to poor tax planning, botched equity compensation decisions, and conflicting advisor fees. Learn what comprehensive financial planning actually looks like for high earners and why transparent flat fees beat traditional Assets Under Management (AUM) models every time.
Hiring a Financial Advisor in 2026
By Beth Stringer
Earning $250K+ and wondering if your advisor is worth it? This guide reveals why flat fee advisors can save $500K-$1M versus AUM models in our 20-year comparison, which credentials deliver value (CFP+CPA is gold), and the red flags signaling conflicts. Get the questions that help you evaluate advisor quality and fee transparency.
Buy Now Pay Later Apps: Pitfalls High Earners Must Know
By Beth Stringer
Buy now pay later apps create debt that may not show on credit reports. Learn how BNPL affects financial planning, why 60% of users finance purchases they can't afford, and what high-income families must know to protect their wealth.
New Year Financial Planning for High-Income Earners
By Beth Stringer
This comprehensive guide covers essential New Year financial planning strategies including advanced tax optimization techniques, equity compensation decisions, estate planning updates, and cash flow analysis. From backdoor Roth conversions to Alternative Minimum Tax management, get the strategic insights you need to start the year right.
11 Essential Questions to Ask a Financial Advisor Before Hiring
By Beth Stringer
If you earn $250K+ and already know to ask about CFP, fiduciary duty, and fees, this guide goes deeper. Learn the 11 questions that expose real value, hidden conflicts, and advisor expertise, plus the red flags that should make you walk away.
Year-End Financial Checklist for High Earners 2025
By Beth Stringer
Save thousands in taxes before the calendar turns. This year-end financial checklist gives high earners ($250k+) specific strategies for retirement account optimization, charitable bunching, equity compensation review, and estate planning moves. Features current 2025 numbers, tax bracket tables, deadline reminders, and real-world examples. Stop leaving money on the table and execute these time-sensitive strategies before December 31st.
Tax Diversification and Liquidity - Your 401(k) Might Be Too Much Of A Good Thing
By Tim Hamilton
Guest Post
This is a guest post by wealth advisor Tim Hamilton, the founder Financial Families. Is your 401(k) your only retirement basket? Over-reliance on tax-deferred accounts can limit liquidity and tax options later. Learn why diversifying with taxable brokerage and Roth accounts is essential for financial flexibility in retirement and life's unexpected twists.