Financial advisor fee models are a spicy debate.

There's no perfect structure - the best fit depends on advisor and client preferences.

We chose the flat fee model.

Here are a few misconceptions I see over and over:

  1. "Flat fees aren't profitable."

Before we stopped accepting new clients, our minimum fee was $15K/yr.

If you can't run a profitable business at that revenue level... you've got serious issues with your expenses.

  1. "Flat fees never go up."

Fees should increase over time. Not in lockstep with market growth, but at least with inflation.