Looking for a flat fee financial advisor?
This is one of the largest publicly available flat fee advisor lists online. It includes financial advisors who charge a fixed fee for financial planning and/or investment management instead of charging a traditional assets-under-management (AUM) fee.
Many investors are searching for alternatives to the standard 1% AUM model. A flat fee financial advisor charges a predetermined fee rather than taking a percentage of your investment portfolio. For households with larger portfolios, this can potentially reduce costs and create a more transparent advisory relationship.
This flat fee advisor list is updated regularly and includes advisors from across the United States.
(last update: June 2026)
What Is a Flat Fee Financial Advisor?
A flat fee financial advisor charges a fixed dollar amount for financial planning, investment management, retirement planning, tax planning, or wealth management services.
Unlike traditional advisors who charge a percentage of assets under management (AUM), flat fee advisors generally charge:
- Annual flat fees
- Monthly subscription fees
- Project-based planning fees
- Retainer fees
The fee typically remains the same regardless of whether your portfolio grows from $500,000 to $5 million.
Why Investors Search for Flat Fee Advisors
Many investors prefer flat fee financial advisors because they offer:
- Transparent pricing
- Predictable costs
- Advice that is not directly tied to portfolio size
- Potential savings for larger portfolios
- Reduced incentive to gather assets solely to increase fees
As interest in fee transparency grows, more investors are specifically searching for terms such as:
- flat fee advisor list
- flat fee financial advisor list
- flat fee financial advisors near me
- fixed fee financial advisor
- flat fee wealth manager
- flat fee investment advisor
- fee-only flat fee advisor
This page contains one of the most comprehensive lists of flat fee financial advisors available online.
List of flat fee financial advisors (updated June 2026)
Here is a list of the flat fee financial advisors that I have heard of.
But before you crack into it…
- Now, it’s getting late and my eyelids are starting to droop, so I didn’t confirm by ADV for all the people on this list to see if they are pure, flat fee advisors (meeting the definition articulated prior in this blog) or if they give clients the option to pay an AUM fee or a flat fee (the latter not being the definition of flat fee advisor in its purest form).
- This list may change; there is no guarantee these advisors will always charge a flat fee in the future. And lastly, by no means would I claim this list to be comprehensive – it’s likely there are flat fee financial advisors I left off inadvertently.
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- Please note that some of these flat fee advisors in certain states such as FL, VI, OR, and IL) are required to maintain an insurance license purely to advise, not sell but advise, clients on insurance decisions.
- By the way, in no way does this serve as a recommendation to do business with any of these people listed below. Please conduct your own diligence. I did cursory research but did not verify by their ADV in all cases.
These are advisors who charge clients on a flat fee basis and do not accept AUM fees or commissions. They are pure flat fee advisors.
7 Saturdays Financial – currently has waitlist
Arnold and Mote Wealth Management
Dunes Financial – has a wait list
Emancipare Investment Advisors
Family First Financial Planning
Freedom Found Financial
Impact Financial Life Planning
Purpose Built Financial Services
Retirement Roadmap Financial Planning
RFK Capital Management
Stewardship Financial Planning
Truly Prosper Financial Planning
Woodmont Financial Partners LLC
Vilga Financial Planning – has 2 week waitlist
Flat fee advisors by state
If you want to meet flat fee advisors in your state, here is a directory of some of the financial advisors – state by state – who charge fixed fees. It will help you find a flat fee advisor near you.
Here is a list of flat fee advisors by state.
By the way, if you didn’t see a flat fee advisor in your state on this list, just send me a message and I’ll ask around in my network.
How to Evaluate a Flat Fee Financial Advisor
Not every advisor who advertises “flat fees” uses the same business model.
Before hiring an advisor, consider:
1. Fiduciary Status
Ask whether the advisor acts as a fiduciary at all times.
2. Compensation Structure
Some firms offer both AUM and flat fee arrangements. Others operate exclusively on a flat fee basis.
3. Services Included
Flat fee arrangements may include:
- Investment management
- Retirement planning
- Tax planning
- Estate planning coordination
- Cash flow analysis
- Insurance review
- Equity compensation planning
4. Minimum Requirements
Some advisors have asset minimums, while others work with clients regardless of portfolio size.
5. Form ADV Review
Review the advisor’s SEC Form ADV to understand compensation methods, conflicts of interest, and disciplinary history.
Flat Fee Advisor vs AUM Advisor
| Feature | Flat Fee Advisor | AUM Advisor |
|---|---|---|
| Compensation | Fixed fee | Percentage of assets |
| Cost predictability | High | Varies with portfolio size |
| Fee increases as assets grow | Usually no | Yes |
| Typical investor appeal | Cost-conscious investors, larger portfolios | Investors seeking bundled services |
| Potential conflicts | Generally fewer asset-gathering incentives | Incentive to increase managed assets |
Frequently Asked Questions
What does a flat fee financial advisor cost?
Costs vary widely. Some advisors charge a few hundred dollars for project-based planning while others charge several thousand dollars annually for ongoing investment management and financial planning.
Are flat fee financial advisors fiduciaries?
Many are fiduciaries, but investors should verify fiduciary status independently by reviewing disclosures and Form ADV filings.
Are flat fee advisors cheaper than 1% AUM advisors?
For investors with larger portfolios, flat fee arrangements can sometimes cost substantially less than a percentage-based fee structure.
Can a flat fee advisor manage investments?
Yes. Some flat fee advisors provide comprehensive investment management while charging a fixed annual fee instead of an AUM fee.
What is the difference between fee-only and flat fee?
Fee-only refers to how an advisor is compensated (directly by clients rather than commissions). Flat fee refers to the pricing structure itself. An advisor can be fee-only and flat fee, fee-only and hourly, or fee-only and AUM-based.
How do I find a flat fee financial advisor?
Directories, advisor networks, referrals, SEC filings, and industry communities can help identify advisors who offer fixed-fee arrangements.
Join the Transparent Advisor Movement
What is a transparent financial advisor?
- A financial advisor who clearly discloses fees on the website and in all places where cost is discussed, in actual dollar amounts
- A financial advisor who does not charge AUM fees
- A financial advisor who does not charge commissions
- Charges on a flat fee, hourly, or advice-only basis
If you would like to learn more about joining our movement and fighting for higher logic, transparency, and fairness in financial advice, join the Transparent Advisor Movement.
Why This List of Flat Fee Financial Advisors Exists
The traditional wealth management industry largely operates on an assets-under-management (AUM) model, where advisors charge an ongoing percentage of the client’s portfolio.
Many investors prefer a different structure.
Flat fee financial advisors are growing in popularity because they offer:
• predictable pricing
• transparency
• advice not tied to portfolio size
Unfortunately, these advisors can be difficult to find because most industry directories prioritize firms with traditional fee structures.
This directory was created to make it easier to discover financial advisors who charge flat fees instead of AUM fees or commissions.
If you know of a flat fee financial advisor who should be added to this list, contact me and I’ll review the firm for inclusion.
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Disclosures
Please understand that this is not an endorsement of any particular company. Please conduct your own due diligence and come to your own decision. Also, I am under no obligation to update this list and the conditions of service offered by these firms may change over time without being reflected here. Although nobody paid me to be on this list, from time to time I may have a business relationship involving the sale of goods and services with the firms on this list.
I can’t say it enough – you have to do your own research. This is not an endorsement of anyone mentioned here, and situations could change and not be reflected here in this blog. Also, there is selection bias inherent in this list. I did not interview all the hundreds of thousands of advisors out there, I conducted research using Google, consulted with my network, and posted on social media. So this is limited to what I had access to given my resources. Again, conduct your own research; this list of low fee advisors is intended to be a starting point but by no means is it exhaustive or conclusive.
Grillo Investment Management, LLC does not guarantee any specific level of performance, the success of any strategy that Grillo Investment Management, LLC may use or mention in any of its content, or the success of any program it may mention in any of its content. Grillo Investment Management, LLC will strive to maintain current information however it may become out of date. Grillo Investment Management, LLC is under no obligation to advise users of subsequent changes to statements or information contained herein. This information is general in nature; for specific advice applicable to your current situation please contact a consultant or advisor. I want to be clear that nothing in this podcast or blog can be interpreted as an investment recommendation of any type. Also, nothing in this podcast or blog can be interpreted as legal or compliance advice. For advise on such matters, contact a legal or compliance advisor.
Sources:Â OpenAI. (2026). ChatGPT (GPT-5.2) [Large language model]Â Prompt: what copy do i add to make this rank #1 on google and get found by AEO GEO and SEO:
