Question 1

What is Your Path Fi?

Accepted Answer

Your Path Fi is a flat-fee, fee-only retirement planning and investment management firm led by Ryan Langan, CFP®. We help pre-retirees and retirees build one coordinated plan covering income, investments, taxes, Social Security, estate, and healthcare, for a single transparent annual fee with no commissions.

Question 2

Who do you work with?

Accepted Answer

We work with pre-retirees and retirees, typically people in the decade before and after retirement who want a real plan, not just a portfolio. There is no asset minimum. Because the fee is flat, the only question is whether ongoing planning makes sense for your situation.

Question 3

Do you work with clients outside of Pennsylvania?

Accepted Answer

Yes. Your Path Fi is based in the suburbs of Philadelphia and works virtually with clients across the United States. Wherever you live, the planning comes to you through video meetings, screen-shared planning sessions, and secure document sharing.

Question 4

Is there an asset minimum?

Accepted Answer

No. There is no asset minimum. Because the fee is flat, the question is whether ongoing planning makes sense for your situation, not how big your portfolio is.

Question 5

What happens on the first call?

Accepted Answer

The first call is a complimentary intro conversation. We get to know each other and see if we're a fit, with no cost and no pressure. If it makes sense to move forward, we do. If not, you still leave with more clarity than you came in with.

Question 6

How much does a financial advisor cost?

Accepted Answer

At Your Path Fi, it's a flat annual fee of $12,000 for ongoing planning and investment management. There is no percentage of your assets and no commissions.

Question 7

What does fee-only mean?

Accepted Answer

Fee-only means I'm paid only by you, never through commissions or product sales. It removes the conflict of interest built into commission-based advice, so the only incentive is giving you the right answer.

Question 8

Why a flat fee instead of a percentage of my assets?

Accepted Answer

A larger portfolio doesn't mean more work, so charging a percentage means paying more for the same service simply because you saved more. A flat fee keeps the cost tied to the work, not the size of your accounts.

Question 9

Do you earn commissions?

Accepted Answer

No, never. Your Path Fi is fee-only, which means the only compensation comes directly from you. There are no commissions, no product sales, and no kickbacks, so nothing steers the advice toward a product or a quota.

Question 10

Do you offer one-time or hourly plans?

Accepted Answer

Not at this time. The focus is on ongoing planning relationships. If a one-time plan is what you're after, reach out anyway and we'll point you in the right direction.

Question 11

What services do you provide?

Accepted Answer

Six areas, delivered as one coordinated plan: retirement planning, investment management, tax planning, Social Security planning, estate planning, and healthcare and insurance planning. They're built to work together, because in retirement, no financial decision happens in isolation.

Question 12

Do I have to use all six services?

Accepted Answer

No. We start with what you need most. The value of one coordinated plan is that the pieces are ready to work together when you are, rather than bolted on later by different people.

Question 13

What don't you handle?

Accepted Answer

I don't prepare tax returns, draft legal documents, or sell insurance. I coordinate with your CPA and estate attorney, and because I'm fee-only, any insurance review comes with no commissions and nothing to sell.

Question 14

How is this different from a traditional advisor?

Accepted Answer

Most advisors lead with investments and charge a percentage of them. I lead with the plan, charge one flat fee, and build the investments to serve the plan, not the other way around.

Question 15

Are you a fiduciary?

Accepted Answer

Yes. As a fiduciary, Ryan is obligated to act in your best interest at all times. Combined with a fee-only model, that means the only incentive is giving you the right answer, not selling you a product.

Question 16

I already have an advisor. Why consider switching?

Accepted Answer

If you're paying a percentage of your assets, want a fiduciary who leads with the plan instead of the portfolio, and value one transparent flat fee, it's worth a conversation. If not, no pressure.

Question 17

I'm already retired. Is it too late to start?

Accepted Answer

Not at all. Many people come in after retiring. We optimize from where you are, your income, your withdrawals, and your taxes, rather than starting from a blank page.

Question 18

What happens to my income if the market drops?

Accepted Answer

That's exactly what we plan for. A sound withdrawal strategy and downside protection are built so an early downturn doesn't force you to sell low or change your life.

Question 19

Where is my money held?

Accepted Answer

Your investment accounts are held at an independent, third-party custodian, in your name. Your Path Fi never takes custody of your money. I manage and advise on the accounts, but you always retain ownership and direct access to your assets.

Question 20

How do you protect my personal information?

Accepted Answer

We restrict access to client information to those who need it and maintain physical, electronic, and procedural safeguards to protect it. We never sell your information and only disclose it as permitted by law or at your direction. See our Privacy Policy for the full details.

Question 21

How do I get started?

Accepted Answer

Schedule a free strategy session. It's a no-cost, no-pressure conversation about your retirement. From there, if it's a fit, we build a plan around you. If not, you'll still leave with more clarity than you came in with.

Questions, answered.

Getting started

Fees

Services and what's included

How we work together

Trust and logistics

Still have a question?

Questions, answered.

Getting started

01What is Your Path Fi?

02Who do you work with?

03Do you work with clients outside of Pennsylvania?

04Is there an asset minimum?

05What happens on the first call?

Fees

06How much does a financial advisor cost?

07What does fee-only mean?

08Why a flat fee instead of a percentage of my assets?

09Do you earn commissions?

10Do you offer one-time or hourly plans?

Services and what's included

11What services do you provide?

12Do I have to use all six services?

13What don't you handle?

14How is this different from a traditional advisor?

How we work together

15Are you a fiduciary?

16I already have an advisor. Why consider switching?

17I'm already retired. Is it too late to start?

18What happens to my income if the market drops?

Trust and logistics

19Where is my money held?

20How do you protect my personal information?

21How do I get started?

Still have a question?