https://www.disciplinedmoney.com/blog daily 0.75 2023-05-08 https://www.disciplinedmoney.com/hourly daily 0.75 2026-06-17 https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/f4f430e7-18ee-4126-ba04-e7043e28859a/Investment+Fees.jpg Hourly - Hourly versus AUM When investors start actually start ‘doing the math’ they realize that a portfolio of $1,000,000 at 1% equals $10,000 in fees annually. If working with an advisor in this model for 25 years…you can do the math. If an advisor is charging $10,000 annually and let’s say $250 per hour is a reasonable rate for an advisor (average based on multiple studies), the implication is the advisor spend 40 hours a year on the plan. There are some clients who require this amount of attention, but most don’t. Most financial plans are straight forward, especially after the initial plan is created. If you are struggling with paying 1%, let’s talk about how the hourly model lowers your ongoing fee. https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/7302d754-f669-4cfc-a504-e714ac265f9c/Plan+Process+Product.jpg Hourly - Hourly Versus DIY There are a lot of people who are comfortable placing trades and managing their plan. They’ve done a good job doing it themselves, but question if they are ‘missing something.’ They would like a second opinion. They’ve typically read lots of financial books, blogs, and other sources. They want to know how general ideas fit their specific situation. So they look for a financial planner only to find most either sell commissioned products or require ongoing management (at 1% or more). The two reasons to hire a financial planner do not include picking the right stock or mutual fund. The two benefits of working with a financial planner include removing (or at least addressing) the emotions surrounding financial decisions and the experience of seeing/writing many (often hundreds or more) plans. If you became a millionaire without advisor assistance, can you continue to DIY (with some guidance)? In most cases, I think you can. https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/f55bd41c-5772-454e-8235-3b9558674c65/Focus+Where+It+Counts.jpg Hourly - What is a financial plan? A financial plan is the foundation from which you’ll make money decisions going forward. It reviews where you are today and compares it with your vision of the future. Hopefully, the two align, but if not, the plan creates action steps going forward. A plan should the following: Cash flow - current saving vs future spending Taxes - current vs future bracket, IRMMA Insurance - life, disability, health, long-term care Estate - will (or trust), powers of attorney Your goals and values https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/c272c195-ab8c-4789-bdbf-36a0ec8a0aa0/Bob.jpg Hourly - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.disciplinedmoney.com/services daily 0.75 2026-06-17 https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/3e56113d-452f-4680-9771-fd418fe1f11d/MoneyGuidePro-Recommend.png Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/1680555456651-ATFIKVQ3YV0E0H5MQKLE/unsplash-image-h329GHs_lC8.jpg Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/68938c24-d420-499d-8644-bf4c9d06e7d6/rawpixel-com-570914-unsplash.jpg Services - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.disciplinedmoney.com/contact daily 0.75 2026-06-17 https://www.disciplinedmoney.com/home daily 1.0 2026-04-16 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Home https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg Home https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/3eb81e63-9d96-4b1c-9043-659c83761840/kevin-matos-Nl_FMFpXo2g-unsplash.jpg Home https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/f55bd41c-5772-454e-8235-3b9558674c65/Focus+Where+It+Counts.jpg Home https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/b7ad5661-78ed-4917-9d03-433f23143e63/Investment+Fees.jpg Home https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/1680554805256-8HI2QEMBYHTFWH3U61MP/unsplash-image-5HsCIUSeq7Q.jpg Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/94349b95-c785-4a2c-a39e-f636e8a60aaa/IMG_1983-1584.jpg Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/1679686595374-WG6KDD9DOCVL7HFRFTG9/AdobeStock_291613526.jpeg Home - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/641dfbbb4e63d3442c370da3/7302d754-f669-4cfc-a504-e714ac265f9c/Plan+Process+Product.jpg Home - A solid foundation supports retirement success. At its core, a financial plan is simply a summary of what you earn, spend, save, and protect. The question is not whether you have a financial plan. The better question is whether your current plan is likely to produce the results you want. Having a solid understanding of your current and projected financial future provides a solid foundation from which to make informed retirement decisions.