A Flat-Fee Financial Advisor for The Woodlands, TX — One Transparent Price

A flat-fee financial advisor charges one fixed price for financial planning and investment management, instead of a fee that rises and falls with the size of your portfolio. Tiverton Wealth is a flat-fee, fee-only advisor: the annual fee is set based on the complexity of your situation, disclosed upfront, and does not change simply because your account balance goes up or down.

Many advisors charge a percentage of assets under management, commonly referred to as an AUM fee, which typically runs around 1% annually and increases in dollar terms as a portfolio grows, regardless of whether the amount of work involved changes. A flat-fee advisor instead charges a set annual amount for the planning and management relationship, so the fee is predictable and tied to the complexity of the work rather than to portfolio size.

The terms describe two different things that often overlap. Fee-only describes how an advisor is compensated overall — solely by fees paid directly from the client, with no commissions or product sales. Flat-fee describes the specific structure of that fee — a fixed dollar amount rather than a percentage of assets. Tiverton Wealth is both fee-only and flat-fee: compensated only by client-paid fees, structured as one flat annual amount.

Flat-fee pricing tends to appeal to people who want their advisory cost to reflect the complexity of their planning needs rather than their account balance, including individuals and couples with larger portfolios who would otherwise pay substantially more under a percentage-of-assets model, as well as those who simply want a fixed, predictable number to budget against each year.

The flat annual fee covers comprehensive financial planning and investment management — including retirement income planning, tax-efficient strategies, Social Security and Medicare timing considerations, and estate and legacy planning coordination. The exact scope and price depend on the complexity of your situation and are disclosed upfront before any engagement begins.

Tiverton Wealth does not earn commissions, referral fees, or compensation from product sales of any kind. Any fees outside the advisory relationship — such as underlying fund expenses or account custodian fees — are set by third parties, not by Tiverton Wealth, and are the same type of cost you would encounter with any advisor. These should be reviewed directly with the firm as part of your introductory call.