Financial Planning Fees
How Much Does Financial Planning Cost?
We believe pricing should be straightforward. Here is what financial planning and investment management cost at George Wealth Management, what is included, and how to decide which approach may be right for you.
George Wealth Management serves business owners, executives, high earners, and successful families throughout Chattanooga, Tennessee, and surrounding communities.
Quick Answer
George Wealth Management offers monthly financial planning memberships, investment management, and one-time planning services. Costs vary based on the level of service, complexity, and whether investment management is included.
We believe clients should understand what they receive before making a decision. Our goal is to make the cost, value, and scope of the relationship clear from the beginning.
How We Think About Financial Planning
The most important financial decisions are rarely about investments alone. They often involve business ownership, retirement timing, taxes, estate considerations, family needs, executive compensation, and whether today's success is creating the future options you want.
Our role is not simply to manage investments. It is to help you make thoughtful financial decisions that create more options for your future.
That is why our planning relationships are built around clarity and decision-making. We are not simply selling meetings or reports. We are helping clients organize their financial life, understand trade-offs, and make more intentional choices.
The Planning Journey
A good planning relationship should help you move from scattered financial questions to clearer decisions over time.
Which Planning Relationship Fits Your Situation?
Foundations Planning
Formerly Entry
First year, then $100/month after
Best for:
- Young professionals
- HENRYs and high earners getting organized
- Families beginning comprehensive planning
- Clients who want a clear starting point
Momentum Planning
Formerly Comprehensive
First year, then $225/month after
Best for:
- Business owners
- Executives and senior professionals
- Families with growing complexity
- Clients coordinating taxes, retirement, and future goals
Private Client Planning
Formerly Concierge
First year, then $425/month after
Best for:
- Multi-million-dollar families
- Business owners preparing for transition
- Complex tax and estate situations
- Clients who want ongoing advisor access and coordination
Monthly Financial Planning Memberships
| Planning Relationship | Meetings and Access | Monthly Fee |
|---|---|---|
| Foundations Planning | Initial complimentary consultation, 1 planning meeting per year, unlimited support staff access, and 1 scheduled advisor check-in per year. | $150/month first year $100/month after |
| Momentum Planning | Initial complimentary consultation, 2 planning meetings per year, unlimited support staff access, and scheduled advisor check-ins each quarter. | $300/month first year $225/month after |
| Private Client Planning | Initial complimentary consultation, 4 planning meetings per year, unlimited support staff access, and ongoing advisor access. | $500/month first year $425/month after |
What Clients Are Really Paying For
People do not usually hire a financial advisor because they want more information. They hire an advisor because important decisions are becoming harder to coordinate alone.
Planning Coordination
- Retirement planning
- Investment review
- Tax planning coordination
- Estate planning coordination
- Insurance and risk review
- Cash flow and savings decisions
Future-Focused Decisions
- Business owner planning
- Executive financial planning
- Work optional planning
- Family preparedness
- Legacy and charitable planning
- Next chapter planning
What Is Included in Financial Planning?
Core Planning Resources
- Adviceworks Client Portal
- Online educational suite
- Goal planning
- Account linking in one place
- Secure document vault
- Access to financial monitoring tools
- Annual tax letter through Holistiplan
- Roth conversion strategy review
- Access to Wealth.com for estate planning document preparation
Advanced Planning Areas
- Tax planning coordination with a tax professional
- Estate planning coordination with an attorney
- Retirement income planning
- RMD planning
- Medicare premium planning
- Social Security planning
- Legacy and charitable giving planning
- Trust services coordination with an attorney
- College funding analysis where appropriate
Investment Management Fees
For clients who engage George Wealth Management for asset management, the percentage client fee is based on assets under management. The percentage shown is a combination of the program fee and advisor fee.
| Assets Under Management | Percentage Client Fee |
|---|---|
| First $0 - $500,000 | 1.25% |
| Amounts greater than $500,000 - $1,000,000 | 1.00% |
| Amounts greater than $1,000,000 - $2,000,000 | 0.90% |
| Amounts greater than $2,000,000 - $5,000,000 | 0.80% |
| Amounts greater than $5,000,000 | 0.65% |
AUM under $180,000 requires a financial planning package in order to receive the additional planning services listed above. A separate financial planning agreement will be required in addition to the investment advisory agreement.
A complimentary no-cost or obligation Foundations Planning package is provided to clients starting at AUM over $180,000. AUM over $360,000 may receive the Momentum Planning package at no cost or obligation. Clients with AUM over $600,000 may have the Private Client Planning package fee waived and offered at no obligation.
Clients in managed or unified programs will pay a manager fee based on the selected manager.
One-Time and A La Carte Planning Services
Some clients need help with a specific financial decision rather than an ongoing planning relationship. These services may be available separately depending on the situation.
Planning Reviews
- Social Security filing strategy evaluation - $50
- Roth conversion strategy evaluation - $200
- Combination Social Security and Roth conversion evaluation - $180
- Retirement planning projections - $250
- Introductory financial planning - $300
- RMD/QCD management and distribution planning annual fee - $1,000
- Tax return analysis and review annual fee with a tax professional - $1,000
Additional Services
- Budgeting using Adviceworks - $50
- Budget monitoring using Adviceworks and Elements app - $10/month
- Trust services with an attorney - $250
- College funding compare school report - $50 per school
- Scholarship estimator - $200
- College search query tool - $300
- Tools to coordinate Social Security, IRAs, 401(k), pensions, and other assets for income planning - complimentary
Who This May Not Be For
We tend to be the best fit for people who value thoughtful planning, ongoing decision-making, and coordinated financial guidance.
If you are looking only for the lowest-cost investment management or occasional stock recommendations, our approach may not be the right fit. Our work is built around planning, clarity, and helping clients make better financial decisions over time.
Where This Fits in Your Planning Journey
Pricing is easier to evaluate once you understand what kind of planning problem you are trying to solve. A business owner preparing for succession, an executive managing compensation, and a high earner trying to turn income into wealth may all need different levels of guidance.
Frequently Asked Questions
How much does a financial advisor cost?
Financial advisor costs vary based on the scope of the relationship. Some advisors charge a percentage of assets managed, some charge flat planning fees, and some offer monthly planning memberships. George Wealth Management offers monthly financial planning, investment management, and selected one-time planning services.
Why are financial planning fees worth paying?
Financial planning is not simply about investment recommendations. It helps coordinate taxes, retirement decisions, business planning, estate considerations, cash flow, risk management, and other financial decisions that affect your long-term options. The value often comes from making better decisions over time, not from one recommendation.
Is monthly financial planning worth it?
Monthly financial planning may be worth it when you want ongoing help coordinating investments, taxes, retirement, estate considerations, business decisions, executive benefits, or family planning decisions. The value is often in better coordination and clearer decisions over time.
What is included in financial planning?
Financial planning may include retirement planning, investment review, employee benefits, insurance needs, tax planning coordination, estate planning coordination, Roth conversion analysis, retirement income planning, Social Security planning, business owner planning, and family decision-making.
What is the difference between financial planning and investment management?
Financial planning focuses on decisions, goals, trade-offs, and coordination across your financial life. Investment management focuses on managing investment accounts. Many clients benefit from both, but they are separate services and may require separate agreements.
Can I hire George Wealth Management without transferring investments?
Yes. Depending on your needs, you may be able to engage George Wealth Management for financial planning without transferring investment assets. The appropriate relationship depends on your situation, goals, and the scope of work needed.
Is there a minimum?
For investment management relationships, asset levels may affect which planning services are included at no additional cost. Clients with AUM under $180,000 generally need a financial planning package to receive additional planning services.
Do you work with business owners?
Yes. George Wealth Management works with business owners on financial planning, business owner planning, succession considerations, retirement readiness, business transition planning, and future flexibility.
Do you work with executives?
Yes. George Wealth Management works with executives and senior professionals on retirement readiness, executive benefits, concentrated stock positions, tax planning coordination, work optional planning, and family preparedness.
What happens during the first meeting?
The first meeting is a conversation. The goal is to understand where you are, what decisions are in front of you, what complexity exists, and whether George Wealth Management may be a good fit to help.
Have a Question About Fees?
Most people do not need more financial noise. They need a clear conversation about where they are, what they need, and what kind of planning relationship makes sense.
Important Disclosures
Financial Planning & Consulting may be a complimentary no-obligation service based on AUM provided to new and existing advisory clients. Financial Planning & Consulting Services is completed through a separate agreement from the Investment Management Services agreement. Please refer to the firm's ADV Part 2A and the client's agreement for additional platform, strategist, or related fees that may apply.
The percentage indicated in the investment management fee schedule is a combination of the program fee and the advisor fee to equal the Percentage Client Fee for each cell in the column. These fees apply to UMA, Advisor 1, Advisor 2, and Guided Advisory Portfolios. Clients in managed or unified programs will pay a manager fee based on the selected manager.
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