If you’ve searched for a one time financial plan, you’re not alone. More people today want professional financial guidance without committing to a long-term advisory relationship or paying ongoing asset management fees. A one time financial plan can provide clarity, direction, and confidence—whether you’re planning for retirement, navigating a major life change, or simply trying to organize your finances.
This guide explains what a one time financial plan is, who it’s for, what it costs, and how to find a free directory list of financial planners who offer this service.
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And now – let’s get into it!
What Is a One Time Financial Plan?
A one time financial plan is a comprehensive or focused financial planning engagement where you pay a flat fee for professional advice, recommendations, and a written action plan. Unlike traditional advisory relationships, there is no requirement for continuous management or monthly retainers.
Instead, you meet with a qualified financial planner, share your financial information, define your goals, and receive customized recommendations you can implement on your own.
This model is growing in popularity because it offers:
- Transparent pricing
- No long-term contracts
- Objective advice
- Flexibility
- Lower cost than ongoing wealth management
- Help for DIY investors who still want expert guidance
Who Should Consider a One Time Financial Plan?
A one time financial plan may be ideal if you are:
Young Professionals
If you’re early in your career, you may need help with budgeting, student loans, investing, and saving for a first home.
Pre-Retirees
People within 5–10 years of retirement often need guidance on Social Security timing, withdrawal strategies, taxes, and healthcare planning.
High Earners With Complexity
Executives, business owners, and dual-income households may need help optimizing taxes, equity compensation, and estate planning.
Recently Divorced or Widowed Individuals
Major life transitions often create urgent financial questions that benefit from objective professional advice.
DIY Investors
If you prefer managing your own accounts but want a second opinion, a one time plan can be a smart middle ground.
What Is Included in a One Time Financial Plan?
Services vary by planner, but many one time financial plans include:
- Cash flow and budgeting review
- Retirement readiness analysis
- Investment allocation recommendations
- Tax planning opportunities
- Insurance review
- Debt payoff strategies
- College savings planning
- Estate planning coordination
- Action steps and implementation priorities
Some planners also specialize in niche planning, such as planning for physicians, tech employees, entrepreneurs, or retirees.
How Much Does a One Time Financial Plan Cost?
Pricing depends on complexity, location, and advisor experience. Common fee structures include:
- $500–$1,500 for focused planning engagements
- $1,500–$5,000 for comprehensive planning
- $5,000+ for high-net-worth households or complex situations
When evaluating cost, consider the value of avoiding mistakes, improving tax efficiency, and creating a more intentional strategy.
Benefits of Choosing a One Time Financial Plan
No Ongoing Asset Management Pressure
Some consumers don’t want to hand over investment management. A one time plan lets you retain control.
Fiduciary Advice
Many planners offering one time plans work as fiduciaries, meaning they are expected to act in your best interest.
Personalized Guidance
Unlike generic online calculators, your recommendations are based on your actual income, goals, taxes, assets, and priorities.
Cost Efficiency
For many households, paying once for strategic advice can be more economical than annual percentage-based fees.
How to Find a Financial Planner for a One Time Financial Plan
One of the best ways to locate professionals who offer this service is through a directory of financial planners. Specialized directories allow you to search for advisors based on fee model, location, specialty, and service offerings.
Look for directories that let you filter for:
- One time financial planning
- Fee-only advisors
- Fiduciary planners
- Virtual financial planning
- Retirement specialists
- Tax-focused planners
- Advisors by state or city
These directories make it easier to find planners who match your needs rather than contacting firms that only work through ongoing asset management.
Please skip to the bottom of this blog if you want to view the directory of financial planners who produce one-time financial plans!
Tally-ho!
What to Ask Before Hiring a Planner
Before choosing someone for a one time financial plan, ask:
- Do you offer one time or project-based planning?
- What is your flat fee?
- What is included in the engagement?
- Are you fee-only?
- Are you a fiduciary?
- Will I receive a written plan?
- How many meetings are included?
- Do you work virtually?
- What clients do you specialize in?
- What happens if I need follow-up later?
These questions help ensure a good fit and clear expectations.
In-Person vs Virtual One Time Financial Planning
Many planners now work remotely, which gives consumers access to better matches beyond their immediate city.
For example, someone searching in Hoboken or New York City can work with planners anywhere in the country if the advisor offers virtual meetings.
Virtual planning often includes:
- Video consultations
- Secure document sharing
- Digital financial plans
- Ongoing email support during the engagement
Why Search Trends Are Growing for “One Time Financial Plan”
Consumers increasingly want:
- Advice without sales pressure
- Transparent flat-fee pricing
- Flexible engagements
- Help during transitions
- Guidance without delegating investments
This shift has made one time planning one of the fastest-growing service models in financial advice.
Directory of financial planners who provide one time financial plans
A one time financial plan can be an excellent option if you want expert advice without an ongoing commitment. Whether you need retirement guidance, tax strategy ideas, investment recommendations, or a second opinion, project-based planning offers flexibility and value.
The smartest next step is often using a directory of financial planners who provide one time financial plans. Directories can help you compare advisors by specialty, pricing model, and location so you can find a good one!
But before you crack into it…
- 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.
- 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 high quality financial advisors. Listing them on this directory is not an endorsement or a verification that a financial advisor will render high quality financial advice.
- This list may change; there is no guarantee these advisors will always produce one time financial plans in the future. And lastly, by no means would I claim this list to be comprehensive – it’s likely there are advisors I left off inadvertently.
- 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.
- I apologize if this is a bit sloppy. Again, I don’t get paid to create these directories so I am working on this at times like 6am on Saturday before my kids wake up, lol.
- Although the Transparent Advisor Movement focuses on advisors who operate on a flat fee, hourly, or advice only basis, and who are fee-only financial advisors, this directory was open to all advisors. Advisors who charge commissions for investment products or sell insurance may be included in this directory below. It’s up to you to vet them and find out who the fair, objective advisors are and who are the ones who will serve you will minimal conflict of interest.
Okay so here’s the directory of financial planners who provide one time financial plans.
Brian Behl & Andrew Polzin
- www.behlwealth.com
- Plans vary based on complexity, but most are $3,500-$5,000
- Our one-time planning process is designed for retirees or those nearing retirement – it is typically three meetings focused on retirement income, tax minimization, a portfolio review, and other important retirement considerations.
Name: Jeremy Chambers, CFP®
- Website: www.thehourlyadvisor.com
- Cost: $300/hour (most one-time plans range from $1,500–$2,700 depending on complexity)
- Summary: my plan is comprehensive covering retirement projections, tax minimization strategies, investment allocation, fund selection, cash flow modeling etc.
Kyle G. Rash, MSFP, ChFC®, RICP®
https://www.planwithchampion.com
$400/hr (maximum of $8,000)
I provide comprehensive, fiduciary-driven financial planning that helps you clarify goals, optimize available resources, manage risk, and make informed decisions to create a personalized plan aligned with your best interests.
Keener Financial Planning – 7 lead planners: Jean Keener, Rachel Songer, Samuel Pond, Trista Jacobs, Beth Shurtz, Steven Myers, and Megan Coyne
quoted based on hours to be spent at $300 or $380/hour
Plan components are customized based on the needs of the client – most typical is retirement, investments, and insurance. Frequently, some tax planning and estate discussion is also involved. For retirees, distributions and tax planning are always included.
Kaki Perdue
$7,000 fixed fee
Lets help you meet your financial goals so you can go enjoy life; tax planning, investment allocation, retirement projections, education planning, insurance review, how to create your income all included.
Kevin Burkle, CFP®
3000 for couples billed as 500/ month for 6 months and 2550 for individuals bulled as 425/moth for 6 months.
My engagements typically consist of three to four meetings over the course of 6 to 12 weeks. This includes a comprehensive, tax- optimized plan for early retirement (both written and the living breathing plan in the software which I teach them how to keep updated). Also, I help them actually implement any advice I’m giving that is actionable in the present and then I give them free ongoing access to my planning software.
Refined Wealth
- https://www.refined-wealth.com/how-we-work
- $5k for accumulators / $7,500 for those close to or in retirement
- Multiple meetings and a ~40-50 page PDF specifically addressed questions, comments, and concerns; largely centered around their financial planning/cashflow, investments, taxes, insurnace and estate.
Chris Shoup, CFP®
$4,000 – $6,000
Our SFP Retirement Plan covers 7 planning areas of retirement: Goals, Income, Tax, Health Care, Investments, Risk Management, and Estate Planning.
Name: Kathleen Boyd
Website: https://www.studentloansavvy.com/
Cost: $395-$595
Summary: A one-time student loan plan that includes a full loan audit, customized repayment and forgiveness strategy, detailed projections, and clear step-by-step guidance on exactly what to do next. All consultations include one month of follow-up email support for implementation help.
Drew Feldman
wideframewealth.com
$3000
A three-month, five-phase project that delivers a comprehensive, personalized financial plan covering everything from cash flow and taxes to investments and long-term goals, with continuing access to your plan via RightCapital.
Nectarine
- https://hellonectarine.com/
- $1,500-$4,500
- Browse dozens of flat-fee advisors with transparent pricing and reviews. Each plan includes a comprehensive 8 week program to map your financial future, 3-4 meetings, 8+ page financial plan, and 28+ hours of professional analysis.
Shannon Fleener, CFP®
Your website: www.sagefinancialsd.com
How much a plan costs: $3,000 – $6,000
A one sentence summary of what the plan includes: A holistic review of everything that touches a client’s money, from cash flow and retirement to investment and tax planning, including analyses, projections, and recommendations in the form of an action plan.
Andrew Kleinberg
Grand Central Financial Planning – Flat Fee Investment Advice in NYC
GrandCentralFP.com
$3250 Single; $3750 Couple
A full review of your financial life, a 2-hour meeting, a Financial Action Plan of 10-15 pages, 6 months of follow-up.
I do offer a One-Time Retirement Plan and often present it as a ‘try-before-you-buy’ project where at the end, you can continue to do it yourself for those seeking validation/objective view on their retirement plan or they can hire me for implementation and I credit the One-Time Plan fee towards ongoing flat-fee wealth mangement.
Name: Andrew Gray
Website: https://graywealthstrategies.com
Fee: $7,500
Description: Full comprehensive plan best suited for DIY investors who want a custom retirement roadmap to implement on their own, but appreciate a second opinion from a CFP® to ensure all opportunities are being leveraged.
Name: David Robinson
Firm name: Best Life Financial Planning
website: www.bestlifefinancialplanning.com
Plan cost: $900-4500 depending on complexity ($150/hr)
Summary: Plan includes several meetings to get a feel for the client’s situation, document collection, and a final written plan and accompanying zoom call discussing the plan which covers asset allocation, asset location, tax planning, insurance planning, estate recommendations, and drawdown strategy.
- Your name – John Bell, CFP
- Your website – freestatefp.com
How much a plan costs – $3,500 Retirement Readiness Plan/$6,000 Comprehensive Financial Plan
A one sentence summary of what the plan includes
RRP – Plan focusing on those close to retirement or newly retired focusing on topics around being ready to move into and through retirement. - CP – Plan encompassing all areas of financial planning that have a $ sign attached to it, including tax planning, estate planning, investments, etc.
Chris Pape
I do one-time financial plans.
The client pays $250 per hour, and they can expect a plan to take 10-20 hours depending on complexity. My plans review cash flow, retirement planning and investments, risk management, education planning, and estate planning.
Starting Point
vesselplanning.com
Starting Point is a three-month, three-meeting engagement (Discover, Organize, Implement) delivering a financial assessment, strategic plan, and actionable steps for self-directed clients seeking accessible, structured guidance.????????????????
Michael E. DeMassa, CFA, CFP(R), AEP(R)
www.forzawealth.com
$250/hr with a $2,500 minimum
Investment allocation, Risk & Fee Analysis, Timing of Social Security, Roth Conversion Analysis, Retirement Income Planning
Wealthy With Intention
My firm Wealthy With Intention offers one-time project-based plans that can focuses on 1-3 financial planning topics for $1,500 or a comprehensive one-time plan for $3,500 that encompasses Values and Goal Setting, Cash Flow and Budgeting, Investment Planning, Insurance Planning, Retirement Planning, Estate Planning, and Education Planning.
My website is: www.wealthywithintention.com
Name: Cheryl Orange Nester
HistorInvesting LLC at www.historcompanies.com
Costs:
Financial Planning and Analysis Fees are as follows:
Total Client Assets Financial Planning Analysis Fee
Less than $5,000,000 $7,500.00
Less than $10,000,000 $10,000.00
Over $10,000,000 Custom Fee
This Financial Plan and Analysis includes a custom report that contains a review and analysis of current wealth and portfolio assets, a proprietary asset class allocation model that has been used successfully for the past twenty years to strategically build and preserve wealth for clients, detailed recommendations for asset rebalancing, if needed, and a time frame with incremental steps for implementation.
Jacob Stalder
Navigate Financial Planning
https://www.navigatefinancialplan.com
$3,375 Flat Fee (Can vary based on perceived complexity in some cases) With an initial planning engagement you receive a comprehensive clear action plan for your most pressing financial needs, a timeline detailing when and how to implement recommendations, 3-5 collaborative meetings, a plan write-up with additional education and observations, and continued access to our planning software RightCapital
Rich Arzaga, CFP®, CCIM
- www.whisperre.com
- A flat, non-recurring fee generally between $8,000 to $12,000
- Comprehensive retirement income planning for those 50+, integrating all financial resources—including rental property—with proactive tax strategy and income design.
Jane Nepham
I’ve started offering specialized one-time plans tailored to my niche. Starts at $7,500.
Arrival plan – someone brand-new in the US. Exit plan – getting ready to leave the country.
Elizabeth McCollum
Price starts at $1,500
Plans include a three-month engagement that includes three virtual meetings to develop and refine your strategy, a detailed written report with clear, actionable recommendations, support for your questions, and access to the RightCapital platform for interactive planning and tracking.
Your name Justin Horowitz
- Your website justadvising.com
- How much a plan costs $1,800 for an individual; $2,700 for a couple
- A one sentence summary of what the plan includes
- You learn how to use money for your future as well as the environment and society through a detailed inspection of your cashflow, investments, taxes, estate, and insurance with your goals and values as the lens—cultivating a clear path forward.
Holly Donaldson, CFP®
Initial plan costs $2550 – $4250 (6 – 10 hours at $425/hr).
Initial plan includes: retirement readiness assessment, withdrawal strategy, Social Security strategy, investment allocation recommendation at the asset class level, Roth conversion assessment, pension analysis, insurance review, estate planning review, tax planning, liability management, and employer stock award analysis.
Name: Praveen Krishnamurthy
Website: https://empower.financial
Plan fees: $4500 (early career), $6000 (mid-career), and $7500 (late career/pre-retirees/retirees)
What the plan does: While each plan is comprehensive, it focuses on what’s relevant for the client’s stage of life and career. More details can be found at: https://www.empower.financial/services
Eric Smith, Ridge Falls Financial Planning
- ridgefallsfp.com
- $2000-$3750
- Each review, your personalized financial guide, includes a checklist of action items followed by resources and explanations to help you to and through retirement.
Name: Al Faber
- Website: www.diwyfp.com
- Plan Cost: $1,150 (Price varies based on complexity but most plans are completed within the initial 30-day engagement at a cost of $1,150)
- Plan includes the following:
- Balance Sheet Analysis (Cash, Credit and Debt Management / Optimization)
- Cash Flow Analysis and Planning (Short, intermediate, and long-term)
- Tax Planning
- Investment Review (Asset Allocation and Investment Selection)
- Insurance Review (Life, Disability, Long-Term Care, Property & Casualty, Umbrella)
- Estate Planning Review including access to Trust & Will so clients can create estate planning documents at no additional cost
- Ongoing access to RightCapital at no additional cost
Jonathan Vance
https://www.vancefp.com/
$2,700
My project planning engagement includes retirement income planning, a one-time forward-looking retirement tax plan, specific investment recommendations, and basis risk management & estate planning considerations.
JR Robinson
https://www.feeonlyplanninghawaii.com/
We do one-time, flat-fee financial planning reviews that identify mistakes, oversights, and opportunities in virtually ever aspect of our clients’ lives (portfolio management, estate planning, tax planning, insurance risk management, debt management, etc.).
The typical fee $5,000 -$7,000 with 50% upfront and th reminder due upon delivery of our findings & recommendations and only upon client satisfication.
Paulo Lopes, CFP®, JD
Woodmont Financial Partners LLC
https://woodmontfp.com
Starting at $5,000, the one-time comprehensive financial plan helps clients review tax-aware retirement planning, cash flow, investments, estate and beneficiary issues, insurance considerations, and clear next steps for implementation.
Josh Gallogly, CFP®, EA
Milestones Financial: https://milestonesfin.com
Milestones Financial’s Flat-Fee Financial Planning Services charge a transparent, fixed rate, based not on your assets, but on the scope and complexity of your financial needs. You pay only for the specific advice required. A fixed-price quote is established in writing before any work begins, eliminating surprises.
The Flat-Fee Financial Planning Services can provide a comprehensive deep-dive into your financial life, delivering a clear retirement roadmap, objective financial advice, and recommendations for tax planning, investment strategy, and cash flow, all tailored to your unique life goals.
Mary Ann Sullivan, CFP®
Mike Hunsberger, ChFC®, CFP®, CCFC
Https://NextMissionFinancialPlanning.com
Starting at $4,000
A financial roadmap analyzing cash-flow, investments, and tax strategy based on your goals and time frame with actionable steps for the next 2-3 years and longer-term financial decisions.
Name: Sandhya Gopal
Website: www.spend-it-right.com
Cost: $250/hour
Summary: A modular financial plan focused on the areas you choose, with clear, scenario-based analysis and actionable next steps.
Your name: Eric Kirste, CFP®, CIMA®, AIF®
Your website: https://www.savvywealth.com/advisor/eric-kirste
How much a plan costs: My team’s minimum planning fee starts at $2,500
A one sentence summary of what the plan includes: Our financial planning services focus on what matters most to you — and the strategies to help you achieve the independence you’ve been building toward.
Your name: John Belluardo
- Your website: stewardship-fp.com
- How much a plan costs: From $2,000 to $6,000
- A one sentence summary of what the plan includes: A customized plan depending on client’s needs. Most clients request retirement plans.
CJ Stermetz CFP®, CEP
$6,000 or $10,000 ($10k for $10M net worth+)
Engagement includes scenario analysis of equity compensation with accompanying tax projections, recommended tax payments for the year, prior year tax return review with commentary, investment review, and spot checks across your finances to check for opportunities and blind spots.
Conclusion
If you value independence but still want expert guidance, a one time financial plan may be exactly what you need. Thanks for reading my blog!
If you’re looking for a financial advisor and are confused about where to turn, send me a note. I can provide some guidance about how to find a good financial advisor.
Thank you for supporting the Transparent Advisor Movement!
Disclosures
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.
SourcesSource: OpenAI. (2026). ChatGPT (GPT-5.2) [Large language model]
