Flat-Fee Retirement Advice
Most advisory firms charge based on the size of your portfolio. We believe advice should be valued for the guidance it provides—not the size of your account.
At Fryar Financial, we offer Flat-Fee Planning with Investment Management Included. Our clients come to us with planning questions about retirement, taxes, income, healthcare, and legacy—not assets-under-management questions.
As your assets grow, your advisory fee shouldn't automatically increase alongside your portfolio. Our flat-fee model keeps more of your money working toward your goals while providing the comprehensive advice and ongoing guidance you deserve.
Simple. Transparent. Advice-focused. Because you should pay for expertise—not portfolio size.
Advice Built Around Your Life. Not Your Account Balance.
We charge for advice—not portfolio size. Our flat-fee model aligns our compensation with the value we provide, helping successful families keep more of their wealth working toward their goals.
Financial Planning & Investment Management
We're here to provide clarity and objective advice for virtually any financial question you may face. Areas we regularly help clients navigate include:
- Tax-efficient accumulation and withdrawal strategies
- Investment allocation and diversification focused on tax-efficient, low-cost investing
- Tax Planning and Preparation
- Retirement Income Planning
- Roth Conversions and Qualified Charitable Distribution Strategies
- Inherited IRA Planning
- Insurance and risk management
- Stock option evaluation (RSUs, PSUs, NQOs)
- Social Security Optimization
- Healthcare and major expense planning
- Special Needs Planning
- Legacy and philanthropic planning
- Estate planning coordination with your attorney
- Other financial questions as they arise
When we manage investments for you, accounts are monitored and rebalanced periodically, with special attention given to tax-loss harvesting opportunities and periods of market volatility.
Our Fees
Comprehensive Financial Planning & Investment Management Included.
| Service Level | Assets | Annual Flat Fee | Typical AUM Fee* |
|---|---|---|---|
| Wealth Builder | $1M - $2M | $12,500 | $10,000 - $17,500 |
| Legacy Planning | $2M - $3M | $15,000 | $17,500 - $25,000 |
| Private Client | $3M - $5M | $20,000 | $25,000 - $40,000 |
Fees listed above are annualized, billed quarterly in advance, and reviewed every other year.
Fees can be pulled directly from managed investment accounts if they do not exceed 2% of assets under management.
*Average fee data from the 2026 State of Financial Planning Fees study by Datos Insights and Envestnet MoneyGuide.
Financial & Retirement Income Planning
As an independent fee-only fiduciary and CERTIFIED FINANCIAL PLANNER™ professional, our planning approach reflects the standards of the CFP Board. We help you build a confident, purpose-driven financial future.
- Retirement income and longevity planning
- Cash-flow and savings optimization
- Social Security and pension analysis
- Goal-based financial planning aligned with fiduciary standards
Transparent Advice. Predictable Fees. Purpose-Driven Planning.
From Vision to Legacy
Determining the Right Path and Partnership
If you believe you could benefit from working with a financial professional, let’s review yours goals to see if you’re a good match for our practice.