At Five Cedars, we believe in clarity—especially when it comes to how you pay for financial advice.

Ongoing Fixed Fee Financial Planning

We offer comprehensive, fixed-fee financial planning starting at $10,000 per year, billed quarterly in arrears ($2,500 per quarter). This service is designed for engineers who are approaching retirement or already there. You don’t have to move your investments for us to work together. You’ll receive ongoing, personalized guidance across all areas of your financial life—including retirement planning, tax strategy, cash flow, charitable giving, and estate considerations—without the pressure to “hand over your portfolio.”

Investment Management (AUM-Based)

If you'd like me to manage your investment portfolio, I offer an Assets Under Management (AUM) fee structure:

  • 1.00% on the first $1.5 million

  • 0.75% on the next $1.5 million

  • 0.50% on anything over $3 million

Coordinated Pricing: AUM Credits Fixed Fee

If you are a fixed-fee financial planning client and I manage your investments, the AUM fee is credited against your fixed planning fee.

Here’s how that works:

Let’s say I manage $750,000 for you. At 1%, that’s $7,500 per year (or $1,875 per quarter). Your quarterly fixed financial planning fee of $2,500 would be reduced by the $1,875, so your out-of-pocket cost is only $625 for that quarter. The investment management fee is deducted directly from your accounts on a pro-rata basis.

In other words, you only pay the greater of the two fees—never both in full.

No Hidden Costs. No Commissions. Just Advice in Your Best Interest.

As a fee-only fiduciary, I don’t sell products or earn commissions. My only compensation comes directly from you, so my advice is always aligned with your goals—not anyone else’s.