Transparent Planning Fees

Our planning fees are designed to be straightforward, flexible and transparent. Each tier builds on the one before it, offering increased access, deeper analysis, and additional support as your financial situation evolves. You'll always know what's included, what's optional, and how decisions affect your overall cost, allowing you to be able to choose the level of planning that fits your needs without pressure or confusion.

Planning Tiers at a Glance

Feature Tier 1 $100/mo Tier 2 $200/mo Tier 3 $500/mo
Free Initial Consultation ✓ ✓ ✓
Digital Plan Summary & Action Checklist ✓ ✓ ✓
Initial Onboarding & Data Gathering ✓ ✓ ✓
Advisory Oversight Team Dedicated Advisor Dedicated Advisor (Priority)
Virtual Meetings (Zoom / Phone) ✓ ✓ ✓
Core Budgeting Review ✓ ✓ ✓
Emergency Fund / Cash Reserves Guidance ✓ ✓ ✓
Risk Tolerance & Portfolio Alignment Review ✓ ✓ ✓
Retirement Projections ✓ ✓ ✓
Investment Guidance (Implementation Optional) ✓ ✓ ✓
Beneficiary Review & Guidance ✓ ✓ ✓
Annual Review Meeting ✓ ✓ ✓
Planning Events Calendar & Reminders Basic Advanced Advanced
Response Time on Questions 3 Business Days 2 Business Days 1 Business Day
New Accounts Modules Included 1/year 3/year 6/year
In-Office Meetings — ✓ ✓
In-Depth Budgeting Review — ✓ ✓
Insurance Coverage Review (High Level) — ✓ ✓
Additional Check-In Meetings — 1 Up to 3
Plan Updates for Life Changes — Up to 2 ✓
CPA / Attorney Coordination — Up to 60 min/yr Up to 240 min/yr
Managed Account Fee Discount — 0.10% 0.25%
Business Owner Complexity Module — Optional ✓
Rental Property Planning Module — Optional ✓
Advanced Multi-Scenario Modeling — — ✓
Insurance Coverage Review (In Depth) — — ✓
Physical Planning Binder — — ✓

Add-on Modules

New Accounts Module

$250 (one-time)
This module applies per registration for additional accounts beyond what's included in a client's tier. It can also be purchased as a standalone service for non-planning clients to facilitate account opening. An account is defined as a single registration per custodian (e.g., a married couple opening one joint account is 1 account; if they each open a Roth IRA, it's 2 accounts). Services include setup paperwork, initial funding, implementation, and explanation. Accounts can be managed by the firm or be self-directed. The fee is waived if the opening results in meeting the household managed account minimum and enrolling in managed accounts.

Business Owner Retirement Plan Setup Module

$750-$1,500 (one-time)
The pricing for this module varies based on the plan type and complexity. It includes plan selection, setup, and the initial funding workflow. For certain employer retirement plans (like 401(k)s) that require ongoing support after initial setup, an annual servicing fee will be quoted separately. Ongoing servicing may cover plan administration coordination, participant onboarding, contribution and eligibility workflow guidance, plan design updates, employee communications support, and periodic plan reviews.

Trust and Estate Coordination Module

$750 (one-time)
This module involves reviewing existing estate documents for planning implications (not legal advice), providing account titling and beneficiary alignment recommendations, a coordination checklist for attorneys/CPAs, and setup guidance for up to two trust registrations at the custodian.
Does not include drafting legal documents, providing legal advice, or serving as a trustee. Additional trust registrations are billed under the New Accounts Module.

Business Owner Complexity Module

$100/month (Tier 1 & Tier 2; included in Tier 3)
This module applies to clients who own any business entity (sole proprietorship, LLC, S-Corp, partnership), have variable income, or use payroll/owner draws. It includes cash-flow and tax-aware planning inputs, a coverage/risk review checklist, benefits/retirement plan options analysis (not setup), and a coordination checklist for CPA/payroll.
Excludes bookkeeping, payroll processing, tax filing, legal advice, or entity formation.

Rental Property Planning Module

$50/property/month ($100 monthly minimum)
Large property portfolios may be eligible for a negotiated rate. This module applies when a client owns rental real estate beyond their primary residence (including long-term, short-term, or multiple properties). It covers rental cash-flow and reserve framework, debt payoff/recapture considerations at a planning level, an insurance coverage checklist, entity/ownership structure discussion (from a planning perspective only), and integration into the overall financial plan (retirement projections, liquidity, risk).
Does not include property management advice, tax preparation, or legal entity formation.

Messy Intake / Financial Clean-Up / Out-of-Scope Module

$1,800 (one-time)
This module provides up to 15 hours of out-of-scope work by paraplanner-level staff to organize, identify, and digitize documents (statements, policies, forms, etc.), locate and confirm accounts, and gather missing information like beneficiary details. It's typically needed when records are disorganized or incomplete (e.g., due to the death or incapacitation of a spouse). Additional time beyond 15 hours will be billed at specified hourly rates, subject to client approval. The goal is to create an inventory of accounts and documents, attempt to locate unidentified items, and compile materials for the planning process.
Hourly Rates:
Paraplanner level: $150/hour
Financial advisor level: $300/hour
Finding all lost accounts cannot be guaranteed.

Managed Accounts

Some clients prefer to manage their own investments, while others delegate. Our managed account service is designed for those who want professional oversight without having to manage the details themselves.

What managed accounts are

A managed account is an investment account that we actively oversee on your behalf. We manage your portfolio within an agreed strategy based on your goals, time horizon, risk tolerance, cash-flow needs, and overall financial plan.

What we provide for the management fee

Portfolio design and implementation based on your plan
Ongoing monitoring and disciplined rebalancing
Risk management and adjustments when life changes (retirement, job changes, inheritance, divorce, etc.)
Coordination between your investments and your broader planning strategy (cash reserves, upcoming expenses, tax considerations, and withdrawal planning)
Behavioral coaching to help avoid common investor mistakes during volatile markets
Periodic reviews and clear reporting so you understand what you own and why you own it

Optional, not required

Managed accounts are optional. Your planning tier can still provide guidance if you prefer to self-manage. Managed accounts simply help by outsourcing the investment workload, allowing you to focus on your life rather than managing your portfolio.

Fees for Managed Accounts

Total managed asset minimums (aggregate total of all accounts managed):
Planning clients: $100,000 ($1,000 minimum annual fee)
Non-planning clients: $250,000 ($2,500 minimum annual fee)
Fees are billed using a graduated schedule (each rate applies only to the assets within that tier).
Managed accounts with a Tier 1 plan
1.00% on first $1,000,000
0.85% on next $1,000,000
0.75% on next $3,000,000 (to $5,000,000)
0.60% above $5,000,000
Managed accounts with a Tier 2 plan
0.90% on first $1,000,000
0.75% on next $1,000,000
0.65% on next $3,000,000
0.50% above $5,000,000
Managed accounts with a Tier 3 plan
0.75% on first $1,000,000
0.60% on next $1,000,000
0.50% on next $3,000,000
0.35% above $5,000,000

Important Information

Fees Information:
Fees are separate from underlying fund, ETF, and platform fees. Specific basis points (bps) to percentage conversions: 10 bps = 0.10%; 25 bps = 0.25%. Fees are calculated based on total household assets under management. "Household" is defined as accounts managed for you, your spouse, and dependent children. Fees are charged quarterly in arrears and can be deducted from managed accounts or paid directly to the firm's broker-dealer. Checks should be made payable to "LPL Financial". A full disclosure of fees will be available to clients.

Advice Disclaimer:
Iron Eagle Advisors and its staff do not provide tax or legal advice. We will coordinate with a CPA and/or attorney for necessary information, based on client permission and tier-level maximums.

Planning Process and Commissions:
We may suggest and implement changes to insurance coverage (purchasing, altering, adding, removing). If we implement such changes, we may earn a commission from the insurance carrier. You are not required to implement recommendations through us, and this decision does not alter the planning fee agreement.

Investment Risk:
Investing involves risk, including possible loss of principal; no guarantees are offered or implied.

Planning Recommendations:
Recommendations are based on client-provided information; incomplete or inaccurate information may affect results.