How We Get Paid
Transparent. Straightforward. Flexible.
Your First Two Meetings are on Us.
Your initial Four Seasons Discovery Meeting and our Seven-Step Investment Process meeting are always complimentary — so you can get to know us, understand our approach, and decide if we're the right fit for you. Meet however works best for you: by phone, Zoom, or in person.
How We Work With Clients
Option 1
WealthPlan Wealth Management
Ongoing investment management with comprehensive planning included
For clients who want us to manage their portfolio alongside their financial plan.
Assets Under Management
Fee
$250,000 - $999,999
1.05%
$1,000,000 - $2,999,999
0.90%
$3,000,000 - $4,999,999
0.75%
$5,000,000+
0.60%
Tiered pricing — when your assets cross a breakpoint, the lower rate applies to your entire balance. Comprehensive financial planning is included at no additional cost. This is an ongoing service with no long-term commitment — cancel any time.
Option 2
WealthPlan Planning Engagements
Flat-fee financial planning, without investment management
For clients who want financial planning without initially handing over investment management — or ever.
Flat-fee engagements range from $900 to $5,000, based on scope and duration. Work with us as a one-time engagement or on an ongoing, as-needed basis.
The One Season Plan
Best for a focused deep-dive into one priority — retirement, taxes, estate, investments, or whatever matters most to you.
Three 1-hour sessions · 30-day engagement
$900
The Two Seasons Plan
Best for clients balancing two priorities who want focused planning across a pair of seasons.
Two planning seasons with Dave · 3-month engagement
$2500
The Four Seasons Plan
Best for clients who want comprehensive planning across every season of their financial life.
Full comprehensive planning · 6-month engagement
$5000
AUM credit: 100% of your engagement fee will be applied as a credit toward your ongoing investment management fees for the first 12 months following your transition to WealthPlan Wealth Management.
What Each Season Covers
WealthPlan Wealth Management clients receive all four seasons year-round; WealthPlan Planning Engagement clients focus on the season or seasons that matter most.
Winter
Retirement
& Cash Flow
Spring
Tax Planning &
Insurance Optimization
Summer
Estate Planning & Assistance to Loved Ones
Fall
Investment &
Account Reviews
Frequently Asked Questions
Who is your ideal client? We work best with individuals, families, and retirees who value comprehensive financial planning alongside investment management. Many are approaching retirement, navigating a major life transition, or simply looking for a more proactive, personalized relationship than they've had before. Above all, we look for people who are advice-receptive and want a long-term partnership. We offer a range of service options for one reason: we want to help as many people as we can.
Are there other costs beyond your advisory fee? Yes — like most investment accounts, there are a few. The mutual funds and ETFs in your portfolio carry their own internal expense ratios (charged by the fund company, not us), and some investments include a $24 per-trade ticket charge through the custodian. Alternative investments may also carry a performance fee set by the fund manager. None of these are paid to us — and we walk you through every cost before you invest, working to keep them as low as possible.
How are fees billed? Investment management fees are billed monthly in arrears. Engagement fees are paid upfront, in advance. All fees are collected via ACH.
Where is my money held, and are you a fiduciary? Your accounts are custodied at Charles Schwab — we never take custody of your assets ourselves. As a CFP® professional and SEC Registered Investment Adviser, we're a fiduciary 100% of the time — legally and ethically bound to put your interests first.
What are your qualifications? David has been a financial advisor since 2004 and founded The WealthPlan in 2010 as an independent firm. He earned a B.S.B.A. in Finance and Accounting from Washington University in St. Louis in 2003. He is a CERTIFIED FINANCIAL PLANNER® professional and also holds the Chartered Financial Consultant® (ChFC®) and Chartered Life Underwriter® (CLU®) designations from The American College of Financial Services. Ready to take the next step?
Ready to Take the Next Step?
Schedule your complimentary Four Seasons Discovery Meeting — our goal is to leave you better off than when we started.