Financial Planning Without Asset-Based Fees

Flat-fee financial planning for pre-retirees and retirees who prefer low-cost investing, disciplined cash-flow planning, and long-term clarity — without giving up control of their assets.

I charge a simple flat annual fee of $500 and do not manage or take custody of client assets.

Learn how I’m paid

Spend your savings on your retirement — not your advisor’s fees.

The traditional financial advice model typically requires a client to pay an annual advisory fee. Over time, these fees can put a significant dent into a household's retirement savings.

Act 2 Planning offers an alternative: a one-time fee of $500 to develop a plan to help you achieve your financial goals without ever paying an ongoing advisory fee.

What We Work on Together

  • Person working at a desk with a calculator and documents, writing with a pen, creating a retirement financial plan strategy.

    Help you determine the cost of your ideal lifestyle.

  • A person's hand placing a coin into a black piggy bank, with various coins scattered on a white surface nearby. Saving for retirement.

    Pressure-test your goals so you know what’s realistic — and what needs adjusting.

  • People analyzing data charts and graphs for retirement planning on papers and tablets at a table with a cup of coffee.

    Show you how to implement a simple and low cost income and investment plan.

  • Family gathering outdoor picnic.

    Make sure your family, assets, and wishes are protected — without overpaying for complexity.

See How the Planning Process Works

FAQs

Who does Act 2 Planning work with?

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Act 2 Planning primarily works with people approaching retirement and those already retired who want help making informed financial decisions.

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How much does financial planning cost?

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Where does Act 2 Planning work with clients?

For 2026, comprehensive financial planning is offered for a flat fee of $500, which includes ongoing planning support throughout the year.

Do I need to transfer my investments to Act 2 Planning?

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No. Act 2 Planning does not manage or take custody of client assets. You keep your existing investment accounts and receive independent financial planning guidance.

What areas of retirement planning can you help with?

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Planning may include retirement income and cash flow, Social Security, taxes, investments, estate planning, insurance, and other financial decisions that can affect your retirement.

Act 2 Planning is a registered investment adviser in Massachusetts and Florida and may work with clients in other states where permitted.