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Fee Only Fiduciary Advisor

Transparent by Design

As a Fee Only Firm we have… No commissions. No product sales incentives.

Our Fee Schedule

Household Assets Under Management Annual Fee %
$0 – $1,000,000 1.00%
$1,000,001 – $3,000,000 0.75%
$3,000,001 – $5,000,000 0.50%
$5,000,001 and up 0.40%

We are a fee only firm. Our primary compensation is an asset-based fee, calculated as a percentage of assets we manage on your behalf, billed quarterly in advance. The fee schedule is tiered. Fees are always disclosed in writing before any engagement begins.

What do you get for that?

  • Clarify what you want your money to accomplish.
  • Turn broad goals into specific savings targets and timelines.
  • Build a complete picture of your assets, debts, income, and expenses.
  • Prioritize competing goals, such as retirement, college, and buying a home.
  • Identify gaps between your current position and your goals.
  • Model tradeoffs—for example, retiring earlier versus spending more.
  • Create an action plan with clear next steps.
  • Update the plan as your life and priorities change.

  • Design an investment mix around your goals, time horizon, and cash needs.
  • Assess both your comfort with risk and your financial ability to absorb losses.
  • Diversify across investments to reduce dependence on any one holding.
  • Identify excessive exposure to employer stock, one industry, or one market.
  • Select investments and evaluate their costs and suitability.
  • Coordinate investments across retirement, taxable, and spouse or partner accounts.
  • Monitor and rebalance your portfolio.
  • Plan how to invest new money and raise cash for withdrawals.
  • Evaluate existing holdings before selling, including potential taxes and transaction costs.
  • Put market performance into context using appropriate benchmarks and your personal goals.

  • Help you stay disciplined during market declines.
  • Challenge decisions driven by fear, excitement, or recent performance.
  • Provide a second opinion before making a major financial commitment.
  • Help prevent excessive trading or frequent changes in strategy.
  • Separate meaningful developments from distracting financial headlines.
  • Establish decision rules before stressful situations arise.
  • Keep you accountable for saving and completing planning tasks.
  • Help you feel more comfortable spending when your plan supports it.

  • Choose between taxable, tax-deferred, and tax-free savings options.
  • Position investments across account types with tax efficiency in mind.
  • Evaluate Roth conversion opportunities and tradeoffs.
  • Identify tax-loss harvesting opportunities where appropriate.
  • Plan the timing of investment gains and losses.
  • Develop a withdrawal strategy that considers taxes across multiple years.
  • Coordinate charitable giving with your investment and tax plans.
  • Assess the tax implications of stock compensation or concentrated holdings.
  • Anticipate how major transactions may affect your tax situation.
  • Coordinate investment decisions with your accountant before implementation.

  • Estimate how much you need to retire.
  • Evaluate different retirement dates and part-time work scenarios.
  • Project retirement spending, including irregular major expenses.
  • Assess how inflation could affect purchasing power.
  • Test the plan against poor investment returns, longer life, and higher spending.
  • Evaluate Social Security claiming options.
  • Compare pension payment choices and survivor benefits.
  • Coordinate income from investments, pensions, and other sources.
  • Develop a sustainable withdrawal approach and adjust it over time.
  • Plan for required retirement-account distributions.
  • Assess the risk of market declines early in retirement.
  • Plan for healthcare and potential long-term care expenses.

  • Develop a practical spending and savings plan.
  • Set an emergency reserve appropriate to your circumstances.
  • Automate saving and investing.
  • Plan for large purchases without disrupting long-term goals.
  • Compare debt repayment with other uses of cash.
  • Evaluate mortgage payoff or refinancing decisions.
  • Manage cash needs when income is irregular.
  • Identify cash that could be earning more while preserving access and appropriate protection.
  • Prepare for reduced income, career changes, or a sabbatical.

  • Clarify who you want to benefit from your assets.
  • Review beneficiary designations and account ownership.
  • Identify inconsistencies between account arrangements and your estate intentions.
  • Coordinate with an attorney on wills, trusts, and powers of attorney.
  • Help carry out account changes recommended by your estate attorney.
  • Plan for liquidity needs when assets pass to heirs.
  • Evaluate lifetime gifts and their effect on your own financial security.
  • Coordinate planning for blended families or beneficiaries with special needs.
  • Help prepare heirs for financial responsibilities.
  • Organize financial information to make matters easier for your family.

  • Estimate future education costs.
  • Evaluate education savings accounts and funding approaches.
  • Balance education support with retirement security.
  • Coordinate contributions from parents and grandparents.
  • Assess how much financial help you can afford to give adult children.
  • Plan for supporting aging parents.
  • Facilitate conversations between partners with different money priorities.
  • Help family members understand budgeting, investing, and financial responsibility.

  • Review retirement-plan contribution choices and investment options.
  • Help you make effective use of employer matching contributions.
  • Evaluate health savings accounts and other workplace benefits.
  • Review deferred compensation choices.
  • Explain the financial implications of restricted stock, options, and employee stock purchase plans.
  • Plan for vesting dates, stock sales, and associated cash needs.
  • Reduce excessive dependence on your employer for both income and wealth.
  • Evaluate benefit and retirement-account decisions when changing jobs.

  • Coordinate business finances with personal financial goals.
  • Evaluate retirement-plan options with appropriate specialists.
  • Plan for irregular income and business-related cash needs.
  • Assess personal exposure to business concentration and guarantees.
  • Prepare financially for a business sale or succession.
  • Coordinate with legal, accounting, and valuation professionals.
  • Develop a plan for investing and spending sale proceeds.
  • Evaluate whether the expected proceeds support your retirement goals.

  • Help organize financial decisions following a spouse’s death.
  • Evaluate the financial implications of divorce alongside legal counsel.
  • Create a plan for an inheritance or other windfall.
  • Assess the affordability of relocation or a major home purchase.
  • Adjust the plan after marriage, children, illness, or caregiving responsibilities.
  • Help prioritize decisions during emotionally difficult periods.
  • Identify time-sensitive tasks and decisions that can wait.

  • Establish a giving budget consistent with your financial security.
  • Compare giving cash with donating appreciated investments.
  • Evaluate donor-advised funds and other charitable arrangements.
  • Coordinate giving with estate plans and family goals.
  • Assess specialized charitable strategies with tax and legal professionals.
  • Track how ongoing gifts affect your long-term plan.

  • Coordinate the work of your accountant, attorney, and insurance professionals.
  • Identify situations where advice from different professionals conflicts.
  • Help organize accounts and financial records.
  • Assist with account transfers, beneficiary updates, and other administrative tasks.
  • Track planning deadlines and outstanding actions.
  • Provide a consolidated view of progress.
  • Explain unfamiliar financial terms and products.
  • Help ensure agreed-upon recommendations actually get implemented.

  • Reduce the time you spend researching and managing financial matters.
  • Give you a consistent person to consult before major decisions.
  • Help a less financially involved spouse or partner become informed.
  • Provide continuity if you become ill or unable to manage finances.
  • Reduce uncertainty by showing what your resources can realistically support.
  • Make the tradeoffs behind decisions easier to understand.
  • Help you focus your attention on the decisions that matter most.

The Value of a Fee Only Financial Advisor

A clear plan. A disciplined approach. A partner along the way.

Your financial decisions are connected. At Finish Line Wealth Management, we bring your investments, retirement goals, and financial priorities together to help you move forward with confidence.

A Plan Built Around You
Understand where you stand, prioritize your goals, and create practical steps toward the future you want.

Disciplined Investment Management
Keep your portfolio aligned with your goals through thoughtful investment selection, diversification, ongoing monitoring, and attention to costs.

A Clearer Path to Retirement
Bring savings, Social Security, and investment withdrawals together into a strategy for funding life after work.

Tax-Aware Decisions
Consider how investment choices, account types, and withdrawals affect your taxes—and coordinate with your tax professional when appropriate.

Guidance When Life Changes
Understand your options and financial tradeoffs as you navigate career moves, family milestones, inheritance, or retirement.

An Ongoing Partner
Have someone to turn to for perspective during uncertain markets, regular progress reviews, and help following through as your needs evolve.

What we don’t do:

We don’t earn commissions on the products we recommend. We don’t sell products.

Why this page exists:

How an advisor is paid shapes the incentives behind their advice. We’d rather you know exactly how that works with us before your first conversation. For the complete disclosure of our fees and compensation, see our [Form ADV Part 2A →] (PDF).

Let’s Talk About Your Finish Line

Start a conversation about where you are today—and where you want to go.