Flat Fee Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$17,683,644
Clients
28
14% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
28
HighAverage account size
$631,559
About
Flat Fee Financial LLC provides investment management, financial planning, retirement plan consulting and retirement plan management, and educational seminars to individuals, high-net-worth clients, and employer plan sponsors. The firm is fee-only and offers both project-based and ongoing planning engagements as well as consulting and discretionary management for employer-sponsored plans.
The firm’s investment approach draws on Modern Portfolio Theory, passive investing, and factor analysis to build diversified portfolios of stocks, bonds, mutual funds, ETFs, and cash equivalents tailored to each client’s risk tolerance and time horizon. Accounts are generally managed on a discretionary basis, with held‑away account reviews and both long‑term and short‑term trading used as appropriate to the client’s plan.
Compared with many solo independent advisers, Flat Fee Financial is notable for offering employer retirement plan services (including acting as an ERISA 3(38) investment manager) and running educational seminars—services that are relatively uncommon among peers of its size. The firm also uses a flat fee billing model rather than a traditional percentage‑of‑assets schedule and maintains institutional custody relationships while operating on a no‑commission, fee‑only basis.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General retirement planning
Fee options
Project-Based Financial Planning fixed fees between $500 to $5,000; Educational Seminars/Speaking Engagements fees $500 to $5,000 per seminar
$0 - $2,500,000: $2,500,001 - $5,000,000: $5,000,001+:
$200 per hour for Project-Based Financial Planning
Ongoing Financial Planning recurring fixed fees ranging from $200 to $2,000 per quarter
Account minimum: $200,000 Fee-only: Investment Management fee negotiable up to 2% of assets under management; fixed fees for ongoing financial planning from $200 to $2,000 quarterly; fixed fees for project-based financial planning from $500 to $5,000; hourly rate $200/hour; fees for seminars from $500 to $5,000
Main office location
Flat Fee Financial LLC
Charlotte NC, United States
Number of offices
1
Most active in
Flat Fee Financial LLC has reported serving >5 clients in these states in the last 12 months.
North Carolina
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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