Advisory Engagements
At Cinder Wealth Advisors, we keep pricing simple and transparent. No guesswork—just clear, upfront info so you can make the best decisions for your financial future. Here’s how we charge and what you get.
Financial Planning
No matter how big or complex your financial goals are, we’ve got a plan for you. Whether you just need a quick financial pit stop or a full road trip itinerary, we’ll guide you every step of the way—no stress, all progress.
Hover on each block to learn more about what we’ll cover.
Quick Start Session
A focused, two-meeting strategy engagement designed to help you make confident financial decisions now.
How it works
1. Discovery Session (60–75 min)
We’ll review your current situation — income, investments, taxes, goals, and major decisions on your mind. You’ll leave this meeting knowing where your biggest opportunities and risks lie.
2. Strategy & Action Session (60–75 min)
Within two weeks, we deliver a concise written plan outlining key recommendations, next steps, and any quick-win opportunities for taxes, savings, or investment adjustments. We’ll walk through each recommendation and answer every question before you take action.
What you get
A clear financial snapshot and priority list.
Tactical, Personalized recommendations you can implement immediately.
Optional guidance on investments, insurance or estate strategy
Full credit of your $1,500 fee toward a Foundations or Enterprise Plan if you continue within 60 days.
Ideal for: professionals and business owners who want clarity, direction, and an actionable roadmap before committing to ongoing advisory work.
Foundations Plan
A year-round planning relationship for professionals and families who want an ongoing partner to guide major financial decisions.
Purpose
The Foundations Plan turns your one-time Quick Start into a living, breathing strategy. We review progress twice a year, coordinate with your tax and investment teams, and make sure your plan evolves with every career and life change.
What’s Included
Comprehensive financial plan covering cash flow, taxes, investments, insurance, and estate coordination
Two in-depth review meetings per year (spring and fall)
Email and phone access for interim questions and life updates
Coordination with your CPA for tax-efficient decisions
Investment recommendations and implementation support (or full management through Cinder Wealth)
Transparent fee: $5,000 annually, waived when we manage $500,000 or more in assets
Ideal for: mid-career professionals and families ready for a proactive advisor to keep their plan current and their decisions confident.
Enterprise Plan
A strategic partnership for business owners and complex families who need deeper, ongoing coordination across personal, business, and tax priorities.
Purpose
The Enterprise Plan is designed for clients whose finances extend beyond a single balance sheet. We integrate business planning, advanced tax strategy, and family wealth management into one cohesive system — giving you clarity and confidence in every major decision.
What’s Included
Comprehensive personal and business financial planning
Quarterly strategy meetings to monitor performance, cash flow, and tax positioning
Ongoing coordination with your CPA, attorney, and key advisors
Business entity structure and retirement plan design review
Advanced tax and liquidity planning, including charitable and legacy strategies
Investment oversight and implementation support (or full management through Cinder Wealth)
Annual business performance, value and cash flow review
Transparent fee: $8,500 annually, waived when we manage $1,000,000 or more in assets
Ideal for: business owners, executives, and multi-entity families seeking a single point of accountability for their financial, tax, and business strategy — with year-round guidance and measurable impact.
Estate Optimization Add-On
A focused, advanced planning engagement designed to help families reduce estate-tax exposure and transfer wealth efficiently.
Purpose
The Estate Optimization Add-On is for clients who have accumulated significant wealth and want to protect it from unnecessary taxation or transfer risk. We work in coordination with your CPA and estate attorney to identify opportunities, model outcomes, and create a clear implementation roadmap for your legacy strategy.
What’s Included
Detailed analysis of your estate structure, current exemptions, and projected liabilities
Strategies to minimize estate and gift taxes through trusts, charitable giving, and advanced ownership structures
Coordination with your legal and tax professionals to ensure efficient execution
Written implementation roadmap outlining actions, timing, and key decision points
Fixed one-time fee of $15,000
Available exclusively to clients enrolled in a Foundations or Enterprise Plan
Ideal for: families and business owners with estates above $10 million, or those seeking to proactively prepare for the 2026 estate-tax sunset and beyond.
Asset Management Fees
Ongoing investment management designed to keep your portfolio in shape
| Total Assets Managed | Annual Fee |
| First $2,000,000 | 1.00% |
| $2,000,000 – $5,000,000 | .75% |
| $5,000,000 – $15,000,000 | .50% |
| +$15,000,000 | Negotiable |
Here’s the deal:
Asset-Based Fees: Our success grows with yours so we’re fully motivated to help you thrive.
Flexible Planning: Whatever stage you’re at, we’ve got a plan for you—tailored to fit your needs.
Estate Planning: Your estate plan evolves, and so do we—providing ongoing updates to keep it current.
Insurance Commissions: We offer custom insurance solutions aligned with your goals, making coverage easier and more accessible for you.
Next Steps