Structural
Planning by Design
Advice-Only™ separates advice from implementation so recommendations stand on their own — independent of asset management incentives, product commissions, or revenue pressure.
Begin a
Defined Planning Engagement
Initiate an Advice-Only™ planning engagement governed by the Standards of Practice and the Engagement Completion Boundary.
The Defined Engagement Process
Every stage of the framework is governed by the Advice-Only™ Standards of Practice and structurally protected by the Fee Structure Firewall™, which prohibits asset-based compensation, product placement incentives, and implementation dependency.
The engagement reaches economic finality at the Engagement Completion Boundary, ensuring your plan stands fully independent of asset retention, product placement, or ongoing management revenue.
Read more about how we define Advice-Only™ in financial planning.
Our Services
FAQs
What is the Advice Only™ financial planning process?
Our financial planning process is a four-step fiduciary framework designed to separate advice from implementation incentives. By eliminating compensation tied to AUM fees, commissions, or product sales, your plan remains structurally objective and aligned solely with your goals.
1. Paid Consultation
Begin with a paid consultation and a formal advisory agreement to establish fiduciary duty from the start. We conduct a structural conflict screening to ensure advice begins in a deconflicted environment—free from sales pitches, asset minimums, or qualification filters.
2. Present Position
Build a math-based snapshot of your financial life using the Advice-Only 40-Point Framework™. This creates an objective, data-driven baseline of your assets, liabilities, cash flow, and tax exposure before any strategies are evaluated.
3. Strategy Completion
Integrate your entire financial picture using Total Risk℠ Alignment—a coordinated evaluation of investment, tax, income, and risk decisions. We model scenarios, test assumptions, and evaluate transparent tradeoffs across planning domains to produce your finalized strategy.
4. Engagement Completion
The planning engagement formally concludes at the Engagement Completion Boundary once the plan and recommendations are delivered. Any future implementation assistance or ongoing support occurs only under a new, separate agreement to preserve the Fee Structure Firewall™.
(Optional) Post-Planning Support
After an Advice-Only™ engagement concludes, you may choose to implement recommendations with any advisor, custodian, or provider you select. Any services offered outside the completed engagement are governed separately and are not part of the Advice-Only™ planning process.
What’s the cost?
Costs are transparent and set by each independent registered advisor.
Educational materials may be free or paid depending on the course, and all planning and consultation fees are published in advance.
How do you respect my privacy?
We believe privacy is a part of our fiduciary duty. As such:
- We DO NOT sell or share client information.
- Information is only disclosed when you direct us or when legally required.
- Our firm does not participate in affiliate programs or accept referral benefits.
- All records are stored securely
Will my instructor be my advisor?
That’s 100% up to you.
Our instructors are practicing financial advisors who may also offer Advice-Only™ planning services. Many clients choose to work with the same instructor for continuity, but you are never required to do so.
After completing any educational program, you are free to engage any qualified Advice-Only™ advisor you choose.
Have a question or comment?
Please visit the Contact page if you have questions, comments, suggestions, or concerns. If appropriate, we’ll do our best to respond within 72 hours.