Fees
A flat fee. Not a percentage of everything you’ve saved.
You shouldn’t pay more just because you saved more. One transparent annual fee covers your entire plan, the same whether you’ve saved $1 million or $5 million.
Why a flat fee beats a percentage of your assets.
A larger portfolio doesn’t mean more work. So a percentage fee means paying more, every year, for the same service simply because you saved more. On a $1 million portfolio, a typical 1% fee is $10,000 a year, and it climbs as your portfolio grows.
| Typical 1% AUM advisor | Your Path Fi | |
|---|---|---|
| Annual fee on $1M | $10,000 or more, rising each year | One flat fee that doesn't grow with your assets |
| How you pay | A slice of your portfolio | Directly and transparently |
| Commissions | Often, on the products sold to you | None, ever |
| What you're buying | Mostly investment management | A complete, coordinated plan |
The fee.
Ongoing service
$12,000/year
One flat annual fee for ongoing planning and investment management across all six areas. The same whether you’ve saved $1 million or $5 million. It may be higher for greater complexity, and I’ll quote it clearly after our first conversation. No percentage of assets. No commissions. No products to push.
How working together works
Three steps to get started.
A complimentary intro call
We get to know each other and see if we're a fit. No cost, no pressure.
A plan built around you
I reflect on what matters to you, gather the relevant details, and build a planning summary, often modeled live in planning software, that we review together.
You decide
If it's a fit, we begin. If not, you still leave with more clarity than you came in with.
Free intro call.
Frequently asked questions.
- How much does a financial advisor cost?
- 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.
- What does fee-only mean?
- 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.
- Why a flat fee instead of a percentage of my assets?
- 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.
- Do you offer one-time retirement plans?
- 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.
Written by Ryan Langan, CFP®
Founder of Your Path Fi, a fee-only fiduciary firm. Last reviewed May 2026.