Flat-Fee Financial Planning
We offer personalized flat-fee financial planning services in Pittsburgh and surrounding areas. Building lifetime relationships based on trust, personal service, and commitment.
At W.E. Griffith & Associates, LLC, we believe that transparency is crucial to establishing trust. That’s why we clearly communicate the cost of our services up front on our website.
If you request a free initial consultation, we will learn more about you, and what you would like to achieve by working with us. During our meeting, we will explain in detail the services and value provided and answer any questions that you may have. We will describe our flat-fee financial planning services and provide full disclosure in a meeting with you in compliance with CFP Practice Standards.
Our Flat-Fee Financial Planning
Our One-Month Starter Package is $500. This is a good way for you to get started working with a Certified Financial Planner® practitioner.
We’ll talk over the phone or meet in person one or more times over the course of one month to answer your questions, discuss your situation, and propose recommendations.
For example, you may have questions like those listed below:
How do I transfer and title assets that I just inherited?
Do I have enough assets to last in retirement?
I’m interested in moving. Can I make this happen?
How can I take advantage of Roth conversions?
How can I save for my child’s education?
How should I pay down my debt?
Do I have enough insurance if I were to pass away?
After we’ve decided upon a course of action, we’re available to help you implement your decisions and answer follow-up questions. After the first month, you can decide if you want to continue with an ongoing financial planning relationship.
For those desiring a continuing relationship where we can help implement your plan and monitor your progress over time, our ongoing financial planning fee is $400.00 per month.
Financial Planning for Millennials
As part of our ongoing financial services, you will see your financial goals (Retirement, College Planning, Social Security Optimization, Tax Planning, and more) and track your net worth, spending, and all accounts in one place.
As part of our ongoing financial planning services, we develop an initial report illustrating how the timing of your Social Security claiming decision can make a substantial difference in the amount of your monthly Social Security retirement income.
Your report will include charts to help you see that, by choosing the right claiming strategy, you could receive thousands of dollars in additional income over the course of your lifetime.
Our ongoing services also include updates to your Social Security Benefits over time.
As part of our ongoing financial planning services, we help you understand the options that will help you protect your retirement from unanticipated long-term care health expenses.
As part of our ongoing financial planning services, we can help you take steps to protect and control the financial future of your family and loved ones.
Revocable Living Trust – (Includes ancillary documents – DPOAA, DPOAHC, Living Will, Nomination of Conservator, Pour-Over Will)
As your advisor, we participate in the non-legal aspects of the process: a) developing client relationships, b) education of basic principles, c) collection of information and coordinating communication, d) assisting the attorney with the execution of the trust documents, e) funding of the trust. We charge a one-time flat-fee of $1,500.00.
Please note that the attorney’s fees are $1,500.00 and billed separately in Pennsylvania.
We offer a free consultation to help you determine how much to set aside now to cover future funeral, cremation, burial or other costs later. You can also make choices in advance about the type of service that you prefer.
How Much to Set Aside?
How much you set aside to fund your plan depends on the type of service that you prefer.
We provide you with a detailed estimate listing the goods and services that you selected with or without an allowance for cash advance items, such as flowers, obituary notices, etc.
Once you know the amount, you can pre-fund your plan with one lump sum payment or by setting up a payment plan.
Where to Set Funds Aside?
We use a special type of life insurance designed for funding final expenses. You can use it whether you prefer a funeral and burial or cremation.
Once the policy is set up, it can be assigned to an Irrevocable Funeral Trust. The protected funds earn interest (tax-free) until the time of need. If you are applying for Medicaid, your policy amount may be exempted from your assets.
When the time comes, the funds are available to pay for your funeral. You or your family can choose any funeral home nationwide. Any excess funds are returned to your estate or to the named beneficiary.
Contact us today to learn more about our flat-fee financial planning services and solutions to help you achieve financial independence and security.