A Transparent, Flat-Fee Approach

At Novak Financial Partners, we believe financial advice should be objective, accessible, and easy to understand.

That’s why we operate on a simple flat-fee model, not commissions or a percentage of your investments.

For High-Achieving Families Building Toward Big Goals
Wealth Accumulators – $4,000/year

You’re in your prime earning years juggling career, family, and financial decisions that feel more complex by the day.
We help you simplify the noise and make smart, strategic moves so your money works as hard as you do.

This plan includes:

  • Goal-based financial planning (home purchase, college, career transitions)

  • Cash flow optimization & savings strategy

  • Investment portfolio analysis and tax efficiency

  • Insurance and risk management review

  • Equity compensation & retirement plan advice (e.g., 401(k), RSUs, stock options)

  • Annual tax planning review

  • Quarterly or semi-annual check-ins

  • Unlimited access to our team for ongoing guidance

  • Estate Planning

For Those Planning the Next Chapter With Confidence
Pre-Retirees & Retirees – $6,000/year

You’ve worked hard to build your wealth, now it’s time to enjoy it.
We help you turn your nest egg into reliable income, minimize taxes, and prepare for what’s ahead, so you can retire with peace of mind.

Includes everything in the Wealth Accumulator , plus:

  • Customized retirement income strategy (Social Security, pensions, portfolio withdrawals)

  • Tax-efficient withdrawal sequencing and Roth conversion planning

  • Medicare & healthcare cost planning

  • Long-term care analysis and estate plan coordination

  • Scenario modeling (early retirement, downsizing, gifting)

  • Detailed retirement projections updated annually

  • Integrated coordination with your CPA or estate attorney (if applicable)