Pricing - Simple, Transparent, Flat Fees

Simple, Transparent Fees

How We Price

We charge simple, transparent, flat fees for our financial planning services. There are no hidden fees and no surprises. We don’t sell anything and don’t manage our clients’ assets, so can give advice that is free of any significant conflicts of interest. We focus on early-career physicians and can offer flexible processes and payment terms for physicians transitioning from residency or fellowship to their first attending position.

Our service includes processes to help you develop the plan, implement the plan and update the plan. While each process is priced separately, as shown below, the Aptus service is integrated and the individual processes are not offered ala carte. Most of our clients start with a Comprehensive Plan and AptusCare.

Aptus does not offer one-time plans and we believe financial planning is a continuous process. We ask our clients to commit to at least one year of ongoing support and at least the first annual checkup, and most of our clients stay with us much longer.

The typical initial financial commitment for a Comprehensive Plan, a year of AptusCare and the first Annual Review is ~$7,400. Ongoing costs vary based on the tier of service. For AptusCare and Annual Reviews, the annual costs are ~$3,700.

CLICK HERE TO DOWNLOAD A PDF COPY OF OUR SERVICE OPTIONS AND PRICING

1. Develop the Plan

Comprehensive Plan - $3,700 (Most Common)

In-depth planning process, including two 2-hour Zoom meetings and 8 hours of additional Aptus planning time outside of meetings.

Our comprehensive plan is the appropriate starting place for the majority of our new clients. Having a thorough review and analysis of each component of your financial plan ensures that we have the time and information to help you build a plan that is holistic, synergistic, and adaptable, now and in the future.

ENHANCED Comprehensive Plan - $5,000

Our enhanced comprehensive plan is appropriate for business/practice owners or others requiring more Aptus preparation and planning time. It is might be appropriate for 1099 contractors, near-retirees/retirees, or clients transitioning from an investment manager to DIY investing. It includes two 2-hour Zoom meetings and 12 hours of additional Aptus planning time outside of meetings.

2. Implement the Plan

We ask our clients to commit to at least one year of ongoing support and most of our clients stay with us much longer.

Aptuscare - $205 Per Month (Most Common)

We provide financial guidance and support throughout the year, including an assessment of your situation approximately every 2 months and up to 2 1/2 hours per year of emails, calls and Zoom meetings.

Aptuscare Enhanced - $335 Per Month

More extensive support for business/practice owners or others requiring more ongoing interaction, including an assessment of your situation approximately every month and up to 5 hours per year of emails, calls and Zoom meetings.

Aptuscare Limited - $105 Per Month (Not Available Until After First Annual Review)

After the first annual review, we offer an additional tier of more limited support for confident, experienced DIYers, including an assessment of your situation approximately every 3 months and up to 30 minutes per year of emails, calls and Zoom meetings.

3. Update The Plan

Annual Review - $1,250 Per Year (For CURRENT Clients Only)

We sit down with you each year for a formal annual review of your finances to see how you are tracking toward your goals, determine the next best actions, and understand how we can best support you.

Timely annual reviews are an essential, required, and valuable element of our ongoing support services. During the annual meetings, we review and update your plan to reflect changes in your life, goals, income, expenses and investments as well as any relevant revisions of tax laws and regulations. These annual updates inform our planning priorities each year and help us make any necessary course corrections.

Enhanced Annual Review - $1,850 Per Year (For Current Clients Only)

A more in-depth review, typically appropriate for business/practice owners or others requiring more Aptus preparation and planning time each year. An enhanced annual review might also be appropriate for existing clients that have had significant life changes over the preceding year.

I'd Like to Schedule an Introductory Call with a Planner

Do Advisor Fees Really Matter That Much?

A 40-year-old client starting with $500,000 and contributing $20,000 per year would save a total of nearly $180,000 in fees over 25 years with Aptus's most common ongoing support tier versus an advisor charging 1% of assets under management. An AptusCare client would also have the option to reduce support or completely DIY down the road. YES, FEES MATTER!