Fee-only Financial Plan

Q: “Do you tell me exactly what to do, or is this more high-level guidance?”

We’re direct. You’ll leave with a clear list of recommendations on how to move your life forward, it’s up to you to act on them, but you won’t be lacking clarity.

Q: “What happens after the plan is delivered?”

We check in at 6 months with a quick call, then again at 1 year with a full review to see what’s changed, what’s working, and what’s next.

Q: “What if I decide to work with Lantern Wealth long-term afterward?”

If we move into an ongoing relationship, we’ll reimburse your planning fee. We are compensated from our referral partners based on your assets that they manage and charge you a fee for. We provide this service on an annual basis for our clients as part of the fee you are charged.

Real planning. No long-term commitment required.

Fee-Only Planning is for people who want clarity, direction, and a real financial plan — without committing to ongoing investment management.

BEST FOR

You’re organized — but want clarity, not guesswork.

You manage a lot yourself — but want a second set of eyes.

Why Fee-only Planning

You don’t hire a planner to be impressed

You hire one to take stress off your plate, give you your time back, and make sure your money is doing its job in the background while you get on with your life.

We’ve lived on all sides of the investing world — stock picking, mutual funds, segregated funds, exempt markets. We’ve seen what works, what sounds smart but doesn’t hold up, and what quietly compounds over time.

The approach here isn’t trendy and definitely not cool. It’s built on pattern recognition, real-world scars, and what actually helps people stick with a plan.

Who is it for?

Capable, curious, involved — and tired of carrying the whole thing alone.

You want to stay involved, but not carry the whole thing yourself.

You want clear communication and a strategy you can actually follow.

You value reducing emotional swings and avoiding reactive decisions.

You want flexibility — not money trapped behind long timelines and penalties.

You want clarity now without committing to ongoing investment management.

How it works

step 01

Clarity, Not Guesswork

We take everything you have — investments, pensions, insurance, budgets, mortgages, income, savings — and organize it into a clear financial picture.

Step 02

Projections Built Around Your Life

We build forward-looking projections around your real numbers, your goals, and your timeline, starting with a strong base cas

step 03

The What Ifs

We stress test the questions that matter: retiring earlier, spending more, gifting kids money, or facing a longer retirement than expected.

Step 04

Actionable Recommendations

You leave with a prioritized list of recommendations — what we would suggest if you were our client, and what to do next.

what you get

Thoughtful oversight, without losing the plot.

Not a dusty report that sits on a desk. A working plan, multiple scenarios, and a follow-up structure that helps keep it relevant and on track.

discovery

A 60-minute meeting to collect the full picture, followed by a homework list so nothing important gets missed.

Your Financial Plan

Five scenarios and a clear plan showing how you get from here to where you want to go.

6-month check-in

A short review to see what changed, what is on track, and what needs adjusting.

1-year review

A follow-up meeting to refine decisions, update projections, and keep the plan useful in real life.

Pricing

Simple pricing for straightforward planning.

Option 1

$5,000

Families and Individuals

Covers two partners and children. Includes investments, insurance, tax, education, and estate considerations.

Option 2

$10,000

Corporations

For business owners with additional complexity, including corporate structure, cash flow, and tax integration.

Most Asked Questions

“What exactly do I walk away with after this process?”

You walk away with a clear, structured financial plan and a short list of recommendations on how to move your financial life forward. This isn’t theory; it’s practical, actionable guidance with projections and multiple scenarios.

“Is this right for someone who already feels financially organized?”

Yes, absolutely. If you’re a DIY investor who feels in control but wants a second set of eyes to confirm your decisions and assumptions, this is a great fit. It’s a smaller commitment than a long-term relationship (and who knows, it might turn into one).

“Do you tell me exactly what to do, or is this more high-level guidance?”

We’re direct. You’ll leave with a clear list of recommendations on how to move your life forward, it’s up to you to act on them, but you won’t be lacking clarity.

“What kind of scenarios can you model for me?”

We start with a base case that reflects your current situation, then typically model 5 scenarios based on what matters to you, retirement timing, spending, returns, and more. We call this the ‘what ifs?’ scenarios:

What if we retire five years early?
What if we want to gift money to our kids?
What if we spend lavishly on travel for the next 15 years?

Once everything is built, we can easily adjust and run additional scenarios if needed.

“What happens after the plan is delivered?”

We check in at 6 months with a quick call, then again at 1 year with a full review to see what’s changed, what’s working, and what’s next.

“What if I decide to work with Lantern Wealth long-term afterward?”

If we move into an ongoing relationship, we’ll reimburse your planning fee. We are compensated from our referral partners based on your assets that they manage and charge you a fee for. We provide this service on an annual basis for our clients as part of the fee you are charged.

“How do I know if this is worth the investment?”

If you’re looking to move from “I think I’m doing the right things?” to “I know exactly how this all fits together,” this is where that shift happens.

There is a defined ‘worst case’ of wasting the money you invest in this process. Having said that, we stand by our plans and process; if you are not happy we will continue working until you are.

NEXT STEP

Get clear on where you are. Get clear on what to do next.

If you want clarity, direction, and a real plan without committing to ongoing management, this is the place to start.