Services and Fees
Clarity. Simplicity. Transparency.
At Glow Financial Planning, we believe good advice should never be a mystery. You deserve to know exactly what you’re getting, who it’s for, and what it costs—before we ever start working together.
Fee Transparency
As a fee-only fiduciary, Glow Financial Planning is committed to complete transparency.
We don’t earn commissions, referral fees, or product incentives. Our only compensation comes directly from the clients we serve.
That means our recommendations are always made in your best interest—free from conflicts of interest and focused entirely on helping you reach your goals.
Fee transparency isn’t just a talking point; it’s a core part of our fiduciary duty and one of the most important ways we build long-term trust.
Our Fees
Comprehensive Financial Planning
Glow Financial Planning provides ongoing, comprehensive financial planning designed to simplify your financial life and help you make confident, informed decisions year after year.
Our annual fees start at $4,000 and typically range between $4,000 and $10,000 per year, depending on household complexity, income level, and scope of services.
Fees are billed quarterly in arrears and reassessed no more than once per year to ensure they remain appropriate as your situation evolves.
There are no contracts or long-term commitments—you may cancel at any time.
As a point of comparison, the industry average pricing for portfolio management alone is roughly 1% of assets under management—which equates to $5,000 per year for a $500,000 portfolio and $10,000 per year for a $1,000,000 portfolio.
By using a flat-fee structure, Glow Financial Planning ensures that your costs are based on the value of the advice and guidance you receive—not on the size of your portfolio.
Portfolio Management
Clients may choose to have their investments managed directly by Glow or continue to manage their portfolios independently.
Either way, your financial plan remains comprehensive and fully tailored to your goals, priorities, and risk tolerance.
If you choose to have Glow FP manage your portfolio, we’ll implement an evidence-based, index-style investment strategy designed to support your broader financial plan—without speculation or unnecessary complexity.
What We Offer
Each client engagement is fully customized—but every plan we build integrates these core areas of financial wellness.
Financial Goal Setting
We begin by clarifying what matters most to you—your priorities, timeline, and values. Together, we’ll set realistic goals and design a plan to make steady progress toward them.
Cash Flow and Debt Management
We’ll review your income, expenses, and existing debts to create a practical spending and savings plan. Using our Fixed/Flex system, we’ll help you balance today’s needs with future goals, build emergency reserves, and develop strategies for paying down high-interest debt.
Retirement Planning
Build a confident path to retirement—whether you’re still saving or already retired. We’ll project your long-term cash flow, test different scenarios, and design sustainable withdrawal and income strategies for life after work.
Investment Management
Evidence-based, index-style portfolios built around your goals, time horizon, and comfort with risk. We focus on diversification, discipline, and cost efficiency—not speculation.
(Clients may choose to have Glow manage their portfolios or continue managing their own investments.)
Tax Planning Strategies
Proactive, year-round tax guidance to help you minimize lifetime taxes through smart account selection, investment placement, charitable giving, and retirement contribution strategies. We coordinate with your CPA to ensure everything stays aligned.
Risk Management & Insurance Review
Comprehensive review of your protection strategy—including life, disability, long-term care, home, auto, and umbrella coverage—to ensure you’re protected without overpaying.
Estate Planning
Ensure your wishes are honored and your loved ones are protected. We’ll review your current estate plan, coordinate with your attorney, and help you organize documents like wills, trusts, and powers of attorney.
College Savings & Education Planning
Whether you’re saving for children or grandchildren, we’ll estimate future education costs, explore savings options like 529 plans, and coordinate strategies to maximize financial aid eligibility.
Employee Benefits Optimization
We’ll help you get the most from your workplace benefits—401(k)s, HSAs, insurance, stock plans, and more. For business owners, we can also review or recommend benefit programs that align with both personal and business goals.
Equity Compensation Planning
If you receive RSUs, stock options, or ESPPs, we’ll help you understand your vesting schedule, manage tax exposure, and integrate your company stock into your broader financial plan.
Business Planning
For business owners and self-employed professionals, we offer guidance on business structure, cash flow, retirement plan options, and exit strategies—aligning your business success with your personal financial goals.