A Financial Advisory Firm Built for You
Transparent fees. Comprehensive planning. Evidence-based investing.
What Makes White Coat Planning Different?
Our focus is on helping you make better decisions across every area of your financial life. We create a comprehensive, evolving financial plan that integrates income, spending, debt, insurance, investments, and taxes because it's impossible to give good advice or manage investments without understanding your goals and personal situation.
The financial industry is built around managing money...
Most advisory firms use an Assets Under Management (AUM) model, where they charge a percentage of your portfolio — typically 1% per year. This model allows advisors to get rich off their clients’ success.
The AUM Trap:
Invest $1 million with a 1% AUM advisor and you'll pay $10,000 per year. As your portfolio grows to $5 million, you'll pay $50,000 per year — even though the work required doesn't increase by 5x.
We don't think that's fair
That’s why we offer flat-fee financial planning with ongoing monthly support. You pay for expertise and advice, not the size of your portfolio. Higher assets shouldn’t mean a higher price tag.
Increased Wealth with Our Flat fees vs. 1% AUM
The Compound Effect: A client with a household income of $400,000, maintaining a 20% savings rate, and starting with a $1 million portfolio would build over $1.5 million of additional wealth after 25 years and almost $2.5 million of additional wealth after 30 years under our flat fee model compared to a traditional advisor charging a 1% AUM fee.
*Assumes investment returns of 6% after inflation with 2% inflation impacting both household income and expenses. Values are in today's dollars.
Why Choose White Coat Planning?
Most financial advisory firms are built around increasing the assets they manage, not delivering great financial advice.
White Coat Planning Is Different
We believe in fair, transparent fees that reflect the value of advice, not the dollars in your portfolio.
White Coat Planning is rooted in the principles of The White Coat Investor, shaped by decades of working with hundreds of thousands of high-income professionals.
We help you understand and take control of your financial life, reinforcing the habits and discipline that lead to long-term success.
The real impact of good financial planning shows up outside your portfolio. It's time to build a life that reflects your hard work — one with abundance, stability, and choice. Because after everything you've sacrificed, you've earned it.
Ready to Take Control of
Your Financial Future?
No obligation. No sales pressure. Just honest conversation.
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