Your money should work
as hard as you do.
Flat-fee, fiduciary financial planning. No AUM fees. No commissions. Plans starting at $4,000/year.
Sound familiar?
Good income. Busy life.
Still wondering what you might be missing.
You want to enjoy what you've earned while knowing your future is still on track.
We earn good money. Why does it still feel like we're behind?
We're saving and investing, but we're not sure whether we're doing enough, making the most of what we earn, or giving ourselves permission to enjoy more today.
What might we be missing?
Our accounts, taxes, benefits, insurance, and goals have become more complicated. We want someone looking across the full picture for anything we may have overlooked.
We don't have time to manage all of this.
We know there are decisions to make and things we should do, but they keep getting pushed down the list. Managing it all feels like another job.
You don't have to figure it all out or keep track of everything yourself. We help identify what needs attention, make informed decisions, and turn those decisions into action.
Who we help
Get the most out of
your money and your life.
You've worked hard to create options. We help you understand what's possible, make confident decisions, and use your money to create more freedom today and in the future.
Professionals and Executives
You're earning well and want to make the most of it. We help coordinate your benefits, investments, taxes, and savings so you can enjoy more today while continuing to build toward financial independence.
See client storiesFamilies Navigating Competing Priorities
A bigger home, a pool, a new car, college, or retiring sooner. We help you understand what you can afford, weigh the tradeoffs, and choose the priorities that matter most to your family.
See client storiesPre-Retirees and Retirees
Retirement planning is about more than making your money last. We help you understand what you can comfortably spend, give, and enjoy while maintaining the lifestyle you worked hard to build.
See client storiesWhy Novak
Clear fees. Real advice.
Help getting it all done.
A flat-fee, fiduciary relationship for people who want help making decisions, getting things done, and keeping track of the full picture.
Simple, predictable pricing.
$4,000 or $6,000 per year. Your advisory fee does not automatically increase as your portfolio grows. We don't charge a percentage-based advisory fee or earn commissions.
Fiduciary
We are fiduciary financial advisors, legally required to act in your best interest. We don't sell financial products or earn commissions.
We look for blind spots and opportunities.
We review your full financial picture to identify what may have been overlooked, address potential blind spots, and help you take advantage of the opportunities available to you.
We help things actually get done.
We can give you the best advice in the world, but it isn't worth much if it never gets implemented. We help turn recommendations into action and follow up to help make sure the important things get done.
Transparent pricing
Know exactly what you'll pay.
Know exactly what you'll get.
Two flat-fee plans. Both include ongoing financial planning, investment management, implementation support, and direct CFP® access.
- ✓ Ongoing comprehensive financial planning
- ✓ Investment management included in your flat advisory fee
- ✓ Tax planning and coordination
- ✓ Cash flow and savings strategy
- ✓ Equity compensation planning
- ✓ Insurance and estate planning guidance
- ✓ Annual service calendar reviews
- ✓ Unlimited CFP® access
- ✓ Everything in Wealth Accumulators, plus
- ✓ Retirement income strategy
- ✓ Social Security claiming strategy
- ✓ Tax-efficient withdrawal sequencing
- ✓ Medicare and healthcare planning
- ✓ Roth conversion planning
- ✓ Long-term care and estate coordination
- ✓ Annual retirement projections
No long-term contracts. Cancel anytime. See full plan details
What clients say
Here is what clients say about working with us.
Real feedback from real clients.
"We reached out to Max at Novak Financial Partners to help us get organized. We were expecting a baby and wanted to update our finances, consolidate accounts after getting married, and finally tackle all the things we'd been putting off. Max made the entire process so easy. He helped us set new savings goals, set up a 529 plan, and make smart recommendations for life insurance. Max is incredibly knowledgeable, thoughtful, and genuinely cares about his clients."
"Working with Zach over the last few years has truly been a gift. He brings not only deep knowledge and expertise, but also a level of patience and encouragement that has completely changed the way I approach my finances. I've often come into our meetings feeling nervous or overwhelmed, yet I always leave feeling confident, empowered, and clear on my next steps."
"Working with Zach has been so helpful and given me such peace of mind about my financial future. He is so responsive and explains things in a way that makes complicated matters easier for me to understand. I am also much more confident in my understanding of my investment strategy than I've ever been thanks to him. Highly recommend!"
These testimonials are from clients of Novak Financial Partners and may not be representative of the experience of all clients. No compensation (non-cash or otherwise) was provided in exchange for these testimonials. Novak Financial Partners does not have any material conflict of interest with the persons giving these testimonials. Some testimonials have been edited for length. Past success does not guarantee future results, and no assurance can be made that any client will achieve similar outcomes. Every individual's financial situation is unique, and results will vary based on personal circumstances. Read all Google Reviews
How we work together
Understand. Prioritize.
Implement. Stay ahead.
Here's what actually happens when you work with us.
Understand
We start by learning your complete financial picture, including your goals, income, accounts, debts, and the things you haven't gotten to yet.
Introductory call and discoveryPrioritize
Not everything needs to happen at once. We help you see which decisions and actions matter most right now, and which can wait.
Your first 30 daysImplement
We help turn recommendations into action. That may include opening or transferring accounts, adjusting contributions, and coordinating with your CPA, attorney, or other professionals when needed.
Initial priorities and ongoing supportStay Ahead
We proactively revisit your plan, flag new opportunities, follow up on important next steps, and adjust as your life changes.
Ongoing, proactive supportWho you'll work with
Experienced CFP® professionals
genuinely focused on you.
You'll work directly with Max or Zach, with both CFP® professionals familiar with your goals and financial picture. We stay involved throughout the year, proactively follow up on important next steps, and help you navigate decisions as your life changes.
Max helps busy families understand their options, make confident financial decisions, and follow through on what matters most. His approach centers on education and clarity, so you understand what you're doing and why.
Previously at Facet, Moneta, and Personal Capital (now Empower).
Zach helps clients turn their money into a source of freedom, not stress. With a background in behavioral finance, he focuses on turning good intentions into decisions and actions clients can stick with.
Previously at Facet, Buckingham Strategic Wealth, and OppenheimerFunds (now Invesco).
You've worked hard to get here.
Let's make your money work just as hard.
Book a free 30-minute intro call. No sales pitch, no pressure, no obligation.
See if we're a fitNo obligation. Serving clients nationwide from Carbondale, IL.