Pricing – Whistle Stop Financial Advice

Hourly Financial Planning Rates

Our core principles are Transparency and Simplicity. When it comes to our costs, we want nothing left to interpretation. We charge by the hour on our face-to-face time only, since we believe our value is in our interactive conversation, being able to ask questions, exchange feedback, and educating our clients with our process.

The first hour: $500 per hour
The second and third hours: $450 per hour
Hours four to six: $400 per hour
Hours seven to ten: $350 per hour
Over ten hours: $300 per hour

Immediately-renewed planning engagements maintain the hourly rate tier. For example:

A client renewing a plan immediately (within 12 months of the original agreement signature) having paid for three hours will pay the next hour at $400 per hour.
A client who renews a plan 18 months after the original engagement start will pay for the next hour at $500 per hour.

There is no minimum of hours required for a planning engagement.

Investment Implementation Fees

Our investment philosophy is deeply rooted in our principle of Simplicity, which is why we practice a cost-efficient passive index portfolio construction approach. Our fees reflect the fact that our portfolio management service is rooted in convenience rather than a promise to attempt outperformance over a benchmark.

The following rates are assessed monthly, in arrears, based on client household assets under our management:

Under $500,000: 0.25% per year
$500,000 to $1,499,999: 0.19% per year
$1,500,000 to $2,999,999: 0.15% per year
$3,000,000 to $4,999,999: 0.12% per year
$5,000,000 and over: 0.10% per year