What you won't find in our fees

We receive no asset managment fees or any hidden fees. Our hourly model means you only pay for counsel and you can be confident it is objective because we don't receive commissions on products we recommend. Once we have completed the initial plan, ongoing updates are often a fraction of the initial cost. Have a 5 minute question, you pay for 5 mintues. Need to discuss employment benefits for an hour, your bill will be for for one hour. No hidden fees or commission means that you can be confidence you are not paying for anything but solid financial counsel.

 

Determine the level of service you need.

	Use our service chart to identify the level you think you'll fall into.
	Once you've identified the category you fall into, the information below serves as a guide to the cost of our fee-only financial planning services.
	As part of the free initial consultation, a firm quote customized to reflect your questions and financial profile is provided before any initial services are rendered. Contact us today.

The pricing ranges below reflect bundling of service areas. This saves time compared to addressing each area separately and provides cost savings to our clients. However, individual service areas can also be provided on a stand alone basis.

Fundamental Financial Review (FFR)

 

You might fit in this category if:

• You are single or have a young family.
• You want to build a solid financial foundation.
  
• You are concerned about protecting your family from the unexpected.
  
• You want to establish a savings plan to reach your goals.

Find out what services are included in Fundamental Financial Review

FFR: $1,200 includes 30 minutes of meeting time

 

Level 1

 

You might fit in this category if:

• You would benefit from a detailed cash flow and net worth projection.
  
• You are interested in exploring the timing of retirement or financial independence.
  
• You want to be more proactive in your tax planning.
  
• You have savings in 401(k) and/or IRA accounts.
  
• You might be considering college planning for young children.
  
• You are seeking objective advice about basic insurance coverage and estate design.
  
• You want to build framework for making financial decision.

Find out what services are included in Level 1

Level 1: usually between 8-12 hours or $1,800-$2,700

 

Level 2

 

You might fit in this category if:

• You have the characteristics of level 1 to a more complex degree.
  
• You are established in your career or approaching retirement.
  
• You seek advice on pre-retirement decisions.
  
• You may have existing insurance policies or estate documents.
  
• You may have received an inheritance or other windfall.
  
• You have accumulated a moderate level of investments.

Find out what services are included in Level 2

Level 2: usually between 10-14 hours or $2,250-$3,150

 

Level 3

 

You might fit in this category if:

• You have the characteristics of level 1 and 2 to a more complex degree.
  
• You may be considering a job/career change.
• Your primary income source comes from self-employment or your own business.
  
• You have accumulated substantial savings in various accounts.
  
• Your compensation may include stock options or Restricted Stock.
  
• You may be eligible to participate in a non-qualified deferred compensation.
  
• You may own variable annuities.

Find out what services are included in Level 3

Level 3: usually between 14-19 hours or $3,150-$4,275

 

Level 4

 

You might fit in this category if:

• You have the characteristics of level 3 to a more complex degree.
  
• You have multiple levels of compensation.
• Stock options or restricted stocks make up an appreciable percentage of your net worth.
  
• You have participated in deferred compensations for several years and have multiple elections.
  
• You are the primary owner of a business that has multiple employees.

Find out what services are included in Level 4

Level 4: usually between 20-30 hours or $4,500-$6,750

 

Level 5

 

You might fit in this category if:

• You are particularly complex in one or all areas.

Find out what services are included in Level 5

Level 5: usually 30 or more hours, $6,750+

 

Since Timothy Financial Counsel receives no compensation other than its hourly fee, you can trust that the recommendations and action plan are designed to efficiently and cost effectively assist you to move towards your objectives.

Call our office today at (630) 681-0700 and arrange a no-charge introductory meeting.

 

Timothy Financial offers hourly fee-only financial planning for clients all over the country, but many of our clients live or work in Wheaton, Chicago, Arlington Heights, Glen Ellyn, Naperville, Oak Park, and St. Charles. Contact our office to set up a no-charge introductory consultation.