How is Hill-Top Compensated?
No Hidden Fees. No Commissions. Just Transparent Advice.
Not Sure What You’re Really Paying for with Most Financial Advisors?
I’m sure you’ve heard this saying before:
"There is no such thing as a free lunch.”
Many financial advisors earn commissions from the financial products they sell or charge fees that aren't always clear. These hidden costs can make it difficult to know exactly what you’re paying—or whether your advisor is truly acting in your best interest.
At Hill-Top Financial Planning, we believe in full transparency.
We are a fee-only firm, which means the only compensation we receive comes directly from you—our client. We don’t earn commissions or get paid by third parties. Instead, we offer straightforward financial planning fees, and for clients who want investment management, we charge a transparent percentage of assets under management (AUM).
Whether you choose financial planning alone or also have us manage your investments, you’ll always know exactly what you’re paying for and why—so you can make informed financial decisions with confidence.
One Time Engagement
Three Meetings - Discover Meeting, Goals & Data Meeting, Presentation Meeting
Comprehensive Financial Plan
One Page Financial Plan w/ recommendations
Planning Option Pricing:
Our pricing is designed for greater access to independent financial advice for young professionals, in the starting out and accumulation phases of life.
Un-Guided
Starts at $1,500: Ranges from $1,500 and up
Determined before we sign agreement: You'll know the cost at the beginning, not the end.
Starter Plan: For DIY-er that's just getting started or is still pretty new, financially speaking.
Typically, 20's - early 30's
-
Recent College Grads
-
Beginning Young Professionals
Guided
Starts at $175 per month. Singles start at $175 per month. Couples start at $225 per month.
Determined before we sign agreement: You'll know the cost at the beginning, not the end.
Upfront engagement fee = 25% annual fee
Guided Plus
Starts at $225 per month. Singles start at $225 per month. Couples start at $275 per month.
Determined before we sign agreement: You'll know the cost at the beginning, not the end.
Upfront engagement fee = 25% annual fee
Includes Investment Management Services
Tune-up Plan: For DIY-er that's more established, but has done limited financial planning.
Typically, mid 30's - 40's
-
Mid Career Professionals
-
Young Families
Starting at:
$1,500*
Starting at:
$175/month*
Starting at:
$225/month*
*Pricing is based on the complexity of your planning circumstance, as determined by advisor, prior to signing a planning agreement. Ongoing engagements require an upfront fee of one-fourth (25%) of the annual planning fee to engage planning services.
We understand, some people want their advisor to manage their investments.
While we typically don't offer investment management as a stand alone service, we do offer it as a part of the Guided Plus planning option.
Investment Management Pricing
For Investment Management we utilize an Assets Under Management (or AUM) model.
Planning Fee + AUM = Total Fee
Account Value
Annual AUM Rate**
$0 and up
(Minimum $600 Annually)
0.50%
**AUM rates are on an annual basis.
How does this work?
(Example with our minimums)
Sample Month
Planning fee $175
+
AMU Fee $50 ($600 annual min. ÷ 12)
Total Fee $225