Flat Fee Financial Planning
Why flat fee financial planning may be the best fit for you
At BayView Financial Planning,
we believe transparency is power—especially when it comes to your money. That’s why we use a flat fee model for financial planning.
We do not earn commissions from recommending products.
No hidden fees.
We do not change our advice based on what’s best for us.
Financial Planning for a Flat Fee
At BayView Financial Planning, financial planning is delivered for a clear, predictable flat fee—not commissions and not based on the amount of money you invest.
This structure provides:
Clarity
You always know what you’re paying and what services you receive.
Fairness
Your planning fee reflects the complexity of your financial life, not the size of your portfolio.
Objective Advice
As a fiduciary firm, we do not sell financial products. Our role is to provide guidance designed to support your long-term financial security.
We charge a flat annual fee (billed monthly) for ongoing financial planning services. Investment management is optional and priced separately.
Who Is This For?
Our flat fee model is especially well-suited for:
● Women navigating transitions – from divorce to widowhood to retirement, knowing your costs upfront removes another layer of stress.
● Military-connected families – who often experience frequent moves, career pauses, and unique benefit structures.
● Young professionals – who may have high incomes and growing complexity but haven’t yet built large investment accounts.
● Widows and caregivers – who need compassionate, competent financial guidance, not pressure to move assets just to “qualify” for advice.
Why Flat Fee is the Fastest-Growing Financial Planning Model
Industry benchmark studies consistently show that flat fee planning is one of the most rapidly growing segments of the financial advice industry. Michael Kitces, a leading industry expert, notes that flat fee models better align with modern client needs, especially for those in transition or accumulating assets. Clients are demanding pricing that’s transparent, flexible, and free of conflicts of interest.
Financial Planning Should Be About You—Not Your Assets
You’ve worked hard to build a life you love. Whether you’re navigating change or planning your next chapter, your financial advice should be free from hidden fees or product sales.
No pressure. Just clarity, confidence, and compassionate advice