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Our Services

Flat-Fee Financial Planning Customized Around Your Life

Fiduciary financial planning. No percentage-of-assets advisory fee. Serving North Carolina, Arizona, and virtually where permitted by law.

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Simple. Transparent. Flexible.

Two Clear Ways to Work With Us

Choose a one-time comprehensive plan or an ongoing planning relationship. Either way, you'll know the scope of the work and the fee before you begin. Wisepath does not charge an additional percentage-of-assets advisory fee; our advisory relationship is based on a flat fee.

One-Time Comprehensive Financial Plan

Get a coordinated financial plan built around your retirement, taxes, investments, healthcare, protection, and legacy questions without committing to an ongoing advisory relationship.

Typical Flat Fee: $3,000–$5,000

See What's Included
  • Retirement Timing & After-Tax Cash Flow: When can I retire, and how much can I actually spend after taxes? We model retirement timing, retirement income, Social Security, market risk, and sustainable after-tax spending so you can see how your money works together.
  • Lifetime Tax Strategies: Roth IRA conversion analysis, withdrawal sequencing, Social Security taxation, required minimum distributions, and Medicare IRMAA interactions - comparing strategies side by side rather than assuming one is always best.
  • Investments, Healthcare & Protection: Dependable income and safeguards for a long retirement, incorporating healthcare decisions, Medicare and IRMAA planning, and long-term care considerations as one part of protecting your plan.
  • Estate, Inheritance & Survivor Planning: We plan for a surviving spouse to stay financially whole - income, Social Security, and taxes mapped so life continues without disruption - and we work through which trusts may make sense for your family, how they get funded, and the trap of an unfunded trust, along with account titling, beneficiary designations, and estate planning coordination with your attorney.
  • Your Tailored Financial Plan: We build a plan around your numbers, your timeline, and your goals - showing what your retirement income and spending actually look like year by year, sequencing Roth conversions and tax reductions, and ending with a clear recommended first action and what to do next.

This is a typical fee range. More complex engagements may be higher. Your fee is provided and agreed upon before work begins.

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Ongoing Financial Planning

An ongoing advisory relationship for people who want their financial plan reviewed and updated as life, markets, taxes, and priorities change.

Typical Annual Flat Fee: Approximately $7,500

See What's Included

Investment management is available as part of the ongoing relationship, but clients are not required to move their investment accounts to Wisepath. Clients may choose to keep their accounts where they are and manage their investments themselves while continuing to receive ongoing financial planning from us.

For clients who choose to have Wisepath manage their investment accounts, we use Altruist as our custodian. Wisepath does not charge an additional percentage-of-assets advisory fee for investment management.

Fees may be higher or lower depending on the scope and complexity of the relationship. Your fee is provided and agreed upon in advance.

Wisepath Wealth does not charge or receive a percentage-of-assets advisory fee. Depending on the investments selected, clients may incur separate third-party costs, such as model portfolio fees and internal fund expenses. Wisepath Wealth receives no portion of these costs.

Schedule a Conversation

See Your Choices Side by Side

See What Your Decisions Could Mean for Your Life

Financial decisions become easier to understand when you can see the tradeoffs. We model different scenarios so you can compare how your choices may affect retirement, taxes, spending, and the people you care about.

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Hypothetical planning examples for educational purposes only; not based on actual clients. Projections are not guarantees, and actual results will vary.

Comprehensive Planning

Five Areas. One Coordinated Financial Plan.

01 Retirement Timing & After-Tax Cash Flow

When can we retire, and how much can we actually spend?

  • Compare different retirement dates and how each may affect your financial plan.
  • Estimate sustainable after-tax spending and retirement income needs.
  • Evaluate Social Security timing and withdrawal strategies.
  • Plan for market risk and changing income needs throughout retirement.
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02 Lifetime Tax Strategies

How could today's tax decisions affect the rest of our retirement?

  • Model Roth conversion strategies rather than assuming a conversion is beneficial.
  • Evaluate withdrawal sequencing across taxable, tax-deferred, and tax-free accounts.
  • Plan around required minimum distributions (RMDs), Social Security taxation, and Medicare IRMAA.
  • Consider taxes across your retirement timeline, including the potential impact on a surviving spouse.
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03 Investments, Healthcare & Protection

Are our investments and protection strategies supporting the life we're planning?

  • Evaluate investments in the context of your retirement plan, spending needs, risk, and time horizon.
  • Coordinate diversification, liquidity, income needs, and account location.
  • Plan for healthcare before and after Medicare, including potential IRMAA exposure.
  • Evaluate long-term-care and other protection risks as part of the overall financial plan.
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04 Estate, Inheritance & Survivor Planning

What happens financially to the people we love if one of us dies first?

  • Model how income, Social Security, taxes, and spending may change for a surviving spouse.
  • Review beneficiary designations and account ownership from a financial-planning perspective.
  • Evaluate the financial and tax implications of assets passing to spouses, children, and other beneficiaries.
  • Coordinate financial-planning considerations with the client's estate attorney and other professionals.
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05 Your Tailored Financial Plan

How do all of these decisions work together?

  • Bring retirement, taxes, investments, healthcare, protection, and legacy planning into one coordinated financial picture.
  • Compare different scenarios and understand the tradeoffs before making major decisions.
  • Use visual planning to make complex financial choices easier to understand.
  • Leave with clear priorities and actionable next steps based on your situation.
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The Reason Behind the Plan

Your Money Is Meant to Support Your Life

More clarity about your finances can mean more freedom to focus on the people, experiences, and moments that matter most.

  • Family

    Family

  • Time

    Time

  • Travel and experiences

    Travel & Experiences

  • Health and well-being

    Health & Well-Being

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The Planning Process

What to Expect

  1. Initial Conversation Complimentary

  2. Information Gathering

  3. Analysis & Plan Development

  4. Presentation & Next Steps

Transparent Pricing

Your Advisory Fee Shouldn't Automatically Rise Because Your Portfolio Does.

Wisepath Wealth uses flat advisory fees rather than calculating our advisory fee as a percentage of your investment account balances. Your fee is based on the scope and complexity of the planning relationship.

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What does flat-fee financial planning mean?

You pay an agreed-upon fee for the planning and advisory services outlined in your engagement. Your Wisepath advisory fee is not calculated as a percentage of your investment account balances, so it does not automatically increase simply because your portfolio grows.

Do I have to move my investment accounts to Wisepath?

No. You can engage Wisepath for financial planning without being required to transfer your investment accounts to us. Ongoing planning clients may choose to keep their accounts where they are and manage their investments themselves, or they may choose to have Wisepath provide investment management as part of the relationship.

What custodian or brokerage does Wisepath use?

For clients who choose to have Wisepath manage their investment accounts, we use Altruist as our custodian and investment platform. Client assets are held with the custodian rather than directly by Wisepath Wealth.

Wisepath Wealth does not charge or receive a percentage-of-assets advisory fee. Depending on the investments selected, clients may incur separate third-party costs, such as model portfolio fees and internal fund expenses. Wisepath Wealth receives no portion of these costs.

How will I know what I will pay?

We discuss the scope of your planning needs before you engage us and provide your fee in advance. Fees vary based on the complexity and scope of the work, so you know the cost before deciding whether to move forward.

Wisepath Wealth does not charge or receive a percentage-of-assets advisory fee. Depending on the investments selected, clients may incur separate third-party costs, such as model portfolio fees and internal fund expenses. Wisepath Wealth receives no portion of these costs.

Headquartered in North Carolina. Serving clients virtually where registered or otherwise permitted by law.

Less Guessing. More Clarity.

See What Your Financial Life Could Look Like.

Retirement planning shouldn't mean years of wondering whether you've saved enough or are making the right financial decisions. Let's bring the numbers together, explore your choices, and give you a clearer picture of what's possible.

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