Our goal is to build lasting, long-term relationships with our clients.
We don’t want to be in the way of your financial success. We want to be part of it.
One size does not fit all. We have specifically designed the pricing of our fees to be flexible and accommodating for our clients.
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Initial Conversation | Free
It all begins with a conversation. Let’s talk about what drives you. What your passions are. What keeps you up at night. Who and what you want to protect.
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Financial Planning | ($150 - $1,700/mo.)
Our financial planning fee structure attempts to account for the complexity of clients' needs, with an annual fee ranging from $1,800 to $20,400 based on the anticipated time and expertise required. We know… that’s a big range. An example of our base financial planning fee grouping clients into four categories is outlined below.
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Investment Management | .35%/yr.
This optional & additional fee is if you want ongoing financial planning and also want a professional to manage your investments. Providing an investment strategy is part of the financial planning fee. We only charge if you want Sonas to manage your investments. We set this fee low, intentionally, to keep the focus of the relationship on your planning and your goals.
Financial Planning (monthly)
Broken down into four membership levels, determined by the complexity and level of planning services you either desire or require.
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Starter
Just starting out. Good income but might have a lot of student debt. Single with little additional complexity.
Key Focus Areas:
Cash flow & budgeting
Debt & credit management
Debt analysis & paydown plan
Building a cash reserve
Wealth accumulation
Employee benefits
Merging households
Includes:
Access to budgeting & planning tools
2-4 scheduled in-person or video meetings per year.
Unlimited support via phone and email plus additional meetings as needed.
Ongoing access to your retirement plan and alerts if changes are needed.
Assurance that you’re staying on track with your goals.
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Basic
Same as Starter, but now we’re getting into more complexity; possibly planning for two (or more).
Key Focus Areas:
Cash flow & budgeting
Debt analysis & paydown plan
Building a cash reserve
Wealth accumulation
Employee benefits
Basic estate review
Planning for family
Includes:
Access to budgeting & planning tools
2-4 scheduled in-person or video meetings per year.
Unlimited support via phone and email plus additional meetings as needed.
Ongoing access to your retirement plan and alerts if changes are needed.
Assurance that you’re staying on track with your goals.
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Professional
Significant income and little debt. planning for home, children, retirement, or other related goals. More complicated tax situation.
Key Focus Areas:
Investment planning
Retirement planning
Education planning
Increased or more complex employer comp planning
Risk assessment/Insurance review (Life, disability, long-term care, health, homeowners, auto, liability umbrella)
Home purchase planning
Retirement distribution planning
Advanced estate plan review
Includes:
Basic Level Financial Services
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Premium
Tax situation/planning has become complex. You own a company or have other 1099 income. You have executive compensation that requires more sophisticated planning. Estate planning needs have evolved.
Key Focus Areas:
Advanced investment, tax & estate strategies
Employee stock options & grants
Future inheritance/windfall planning
Medicare & Social Security strategies
Estate planning services
Exit or succession planning
Advanced charitable strategies
Includes:
Professional Level Financial Services
Financial Planning (monthly)
Broken down into four membership levels, determined by the complexity and level of planning services you either desire or require.
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Early Career
Monthly Planning Fee: $150 - $250
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Mid-stage Career
Monthly Planning Fee: $400 - $600
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Late-stage Career
Monthly Planning Fee: $600 - $ 1,000
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Pre-retiree / Retiree
Monthly Planning Fee: $900 - $1,700
Hourly Financial Planning
We also provide hourly services in the following situations: declining health, incapacitation or death of a spouse, terminal illness and for those managing (or soon will be) the finances for another person (ex. adult children managing the finances for a parent or parents).
Our hourly fee starts at $250/hr.
