Your money should work
as hard as you do.
Flat-fee, fiduciary financial planning. No AUM fees. No commissions. No asset minimums. Plans starting at $4,000/year.
Sound familiar?
Good income. Busy life.
No real plan.
You're earning well, but it's not always clear how it all fits together.
Your money is spread everywhere and not working together.
A 401(k) here, a brokerage account there, some cash sitting in savings. Nothing ties back to a clear plan.
Tax season still catches you off guard.
RSUs vest, bonuses hit, income fluctuates. You're doing the right things, but you wonder what you might be missing from a tax perspective.
You know you should do more. You just never get to it.
Estate planning, insurance, optimizing accounts. The gap between knowing and doing is real.
Who we help
Get the most out of
your money and your life.
You're doing well, but want a clearer plan behind it. One that helps you make better decisions and move forward with confidence.
Professionals and Small Business Owners
RSUs, variable income, a business with unpredictable cash flow. The income is real. The complexity is real. The clarity is worth having.
See client storiesDual-Income Families Navigating Competing Priorities
The mortgage, the 529, the life insurance, the estate plan. Doing everything right and still feeling behind is a real thing. Getting the whole picture coordinated helps.
See client storiesPre-Retirees and Retirees
When to claim Social Security, how to draw down without running out, how to keep less going to the IRS. These are hard questions with meaningful answers.
See client storiesWhy Novak
Clear fees. Real advice.
A plan that covers everything.
A flat fee, fiduciary model built for people who want comprehensive planning without the traditional firm tradeoffs.
Simple, predictable pricing.
$4,000 or $6,000 per year. The same price whether your portfolio is $200,000 or $2,000,000. No percentages, no commissions, no surprises.
Fiduciary
No products to sell. No commissions to earn. Registered investment advisors, legally required to act in your interest. That is the whole model.
Planning across your entire financial life.
Taxes, cash flow, insurance, equity comp, estate planning, all coordinated together. Investments are one piece. Everything working together is the plan.
Proactive throughout the year.
Tax planning in Q1, mid-year check-in in Q2, estate review in Q3, year-end optimization in Q4. You should not have to wonder what your advisor is doing for you.
Transparent pricing
Know exactly what you'll pay.
Know exactly what you'll get.
Two flat-fee plans. Both include comprehensive financial planning, investment management, and unlimited CFP® access. No percentages. No hidden fees.
- ✓ Comprehensive financial plan
- ✓ Investment management, no AUM 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
- ✓ Retirement income strategy
- ✓ Social Security optimization
- ✓ Tax-efficient withdrawal sequencing
- ✓ Medicare and healthcare planning
- ✓ Roth conversion planning
- ✓ Long-term care and estate coordination
- ✓ Annual retirement projections
No asset minimums. 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, create our will, and even 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
Getting started
From first call to full plan
in about 30 days.
Here is exactly what happens when you reach out.
Introductory Call
A no-obligation conversation. We learn about your situation. You ask us anything. If it is a good fit, we move forward. If not, we will tell you honestly.
30 min, free, no pressureDiscovery and Plan Design
We go deep on your full financial picture: goals, values, income, accounts, debts. This becomes the foundation everything is built on.
1 to 2 weeksYour Plan, Delivered
A comprehensive financial plan. We walk through every recommendation together and answer every question until it is genuinely clear.
Within 30 daysOngoing Partnership
Life changes. Your plan updates with it. Quarterly reviews, proactive outreach, and unlimited access to your advisors year-round.
Ongoing. We don't disappear.Who you'll work with
Experienced CFP® professionals
genuinely focused on you.
When you work with Novak Financial Partners, you get two CFP® professionals for one flat fee. Max and Zach both know your plan, your goals, and your situation so you always have someone who knows your full picture.
Max helps busy families build clear, actionable financial plans. 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 building plans you'll actually 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. No asset minimums. Serving clients nationwide from Carbondale, IL.