FLAT-FEE FINANCIAL PLANNING · NO AUM FEES · ZERO CUSTODY
Modern Financial Planning.
Zero hidden fees.
Total control.
KLT Financial Planning LLC helps clients build, protect, and optimize their wealth through comprehensive financial planning and tax strategy without taking custody of their money or managing accounts behind the scenes.
FEE-ONLY
ZERO CUSTODY
CPA-INTEGRATED
FIDUCIARY STANDARD
THE PROBLEM WITH THE OLD MODEL
Most financial advice comes with a catch.
We built a model that removes both problems.
The 1% AUM advisor
They charge a percentage of assets every year, creating incentives to keep money invested with them instead of doing what’s best for the client.
The "homework" advisor
Advice-only planners fix the fee problem but often leave clients with a stack of recommendations and no help executing, so plans die in the follow-through.
HOW WE WORK
Three pieces, one aligned plan.
01
Comprehensive Strategy
Using advanced planning tools, we map your retirement projections, cash flow, and multi-year tax optimization — the complete financial picture, not just the tax return.
02
Advice, Not Custody
Your money stays in your own accounts at Fidelity, Vanguard, or wherever you already bank. We never take custody, hold your passwords, or exercise discretionary control over your funds.
03
Over-the-Shoulder Implementation
When it’s time to open an account, execute a rollover, or adjust an allocation, we guide you through it live — in-office or via screen-share — instead of handing over a homework assignment.
WHY THIS MODEL
Built to remove the conflict, not hide it.
TRADITIONAL 1% AUM ADVISOR
KLT FINANCIAL PLANNING
Compensation
A percentage of your assets, every year, for life
One flat fee for the plan and advice
Account Access
Holds custody, logs in, manages your accounts
Zero custody, zero login access — ever
Built-In Incentive
Discouraged from lowering your AUM — paying off debt or gifting shrinks their fee
Fully aligned — no fee penalty for doing what’s right for you
Tax Planning
Often disconnected from your CPA
Built by CPAs, synced directly with your tax return
Execution Support
You’re on your own, or they trade on your behalf
Guided, over-the-shoulder, click by click
THE CPA ADVANTAGE
Your planner and your accountant, under one roof.
Because KLT Financial Planning operates alongside KLT CPA, your investment and retirement strategy is never planned in isolation from your tax return. The same team mapping your retirement projections is synchronizing them with your tax strategy — built to minimize what you owe over your lifetime, not just this April.
Two disciplines. One plan. One team.
GETTING STARTED
Three simple steps.
No obligation until you’re ready to move forward.
01
02
03
Discovery Call & Financial Physical
Deep Dive
Your Comprehensive Plan
We start with a conversation, then a complimentary Financial Physical - a quick, guided check-up that shows us your general financial health, your goals, and where the gaps are.
we walk through what we found together and talk through how we can help close the gaps, work toward your goals, and build real wealth.
If it's a good fit, we get to work - analyzing your full picutre and buildling a comprehsnive, easy-to-understand with actionable and practical recommendations to get you there.
COMPLIMENTARY
Discovery Call & Financial Physical
Free, no obligation. Beforehand, we’ll usually send a short financial questionnaire so our conversation is focused and useful — not spent on paperwork, for either of us.
PRICING
Transparent, flat-fee pricing. Never a percentage of your assets.
Choose a one-time plan to get a complete picture built once, or ongoing support to keep it current — and us in your corner — year-round.
ONE-TIME
Comprehensive Financial Plan
Starting at $1,500
A complete, RightCapital-built plan covering retirement projections, multi-year tax optimization, cash flow, and overall wealth strategy — yours to keep.
ONGOING
Ongoing Financial Planning
$400 / month
Continuous, year-round planning and over-the-shoulder support — plan updates, tax-season coordination, and us in your corner whenever a big decision comes up.
THE DELIVERABLE
One plan. Every layer of your financial life.
Every engagement starts with a comprehensive financial plan built in enterprise-grade technology, mapping out where you stand today and exactly where each recommendation fits inside your complete financial picture.
Retirement Projections
✓
Insurance & Risk Management
✓
Cash Flow Planning
✓
Multi-Year Tax Optimization
✓
Investment Planning
✓
Overall Wealth Strategy
✓
Ready for a plan that's actually yours?
Book a free discovery call to see how a flat-fee plan can optimize your wealth and tax strategy.