No percentages. No surprises.
Just a clear price for real planning.

No AUM fees. No commissions. No surprises. Just clear, predictable pricing for comprehensive financial planning, and everything that comes with it.

Two plans. One standard of care.

Know exactly what you will pay.
Know exactly what you will get.

Both plans include comprehensive financial planning, investment management, and unlimited access to your CFP® team. The difference is complexity, not quality.

Wealth Accumulators
For professionals and growing families

You're in your prime earning years, juggling career, family, and increasingly complex financial decisions. It's not always clear what to prioritize or how everything fits together. We help you build a clear plan so your money is working toward something, not just sitting in different places.

$4,000/year
What's included
  • ✓ Comprehensive financial plan
  • ✓ Investment management, no AUM fee
  • ✓ Tax planning and coordination
  • ✓ Cash flow and savings strategy
  • ✓ Equity compensation planning
  • ✓ Insurance and risk management review
  • ✓ Estate planning coordination
  • ✓ Quarterly or semi-annual check-ins
  • ✓ Unlimited CFP® access
Get Started
Pre-Retirees and Retirees
For those nearing or in retirement

You've spent decades building this. Now the focus shifts to turning it into income, minimizing taxes, and making sure it lasts. We help you make confident decisions so you can move into retirement with clarity and peace of mind.

$6,000/year
Everything in Wealth Accumulators, plus
  • ✓ Retirement income strategy
  • ✓ Social Security optimization
  • ✓ Tax-efficient withdrawal sequencing
  • ✓ Roth conversion planning
  • ✓ Medicare and healthcare cost planning
  • ✓ Long-term care analysis and estate coordination
  • ✓ Annual retirement projections
  • ✓ CPA and estate attorney coordination
Get Started

No asset minimums. No long-term contracts. Cancel anytime. Investment management included.

Side by side

What's in each plan.

Both plans start with the full suite of services. Pre-Retirees and Retirees adds deeper retirement-specific work on top.

Service Wealth Accumulators Pre-Retirees and Retirees
Comprehensive financial plan✓✓
Investment management and rebalancing✓✓
Cash flow and savings strategy✓✓
Tax planning and coordination✓✓
Insurance and risk review✓✓
Estate planning coordination✓✓
Equity compensation planning✓✓
Unlimited CFP® access✓✓
Social Security optimization—✓
Retirement income strategy—✓
Roth conversion planning—✓
Medicare and healthcare planning—✓
Long-term care analysis—✓
CPA and attorney coordination—✓

Fee comparison

See how the fees compare.

Many advisors charge a percentage of the money they manage for you, typically around 1% per year. Drag the slider to see how that compares to our flat fee at different portfolio sizes.

Flat fee vs. percentage-based fee

A percentage-based fee grows as your portfolio grows. Our flat fee stays the same regardless of portfolio size, so you are never penalized for building more wealth.

$250,000$2,000,000
$750,000
portfolio value
Typical Advisor
Percentage Fee (1%)
$7,500
/year
Novak
Wealth Accumulators
$4,000
/year
Novak
Pre-Retirees & Retirees
$6,000
/year
At this portfolio size, a typical 1% fee is $7,500/year

Common questions

Things people ask before getting started.

If your question is not here, just ask us on the call.

No. We have no asset minimums. Our flat-fee model means you pay for the planning, not the size of your portfolio. We work with clients who are actively building wealth and clients who have already accumulated significant assets.
Many advisors charge a percentage of the money they manage for you, typically around 1% per year. On a $500,000 portfolio that is $5,000 per year. On a $1,000,000 portfolio it is $10,000. And the fee grows automatically as your portfolio grows. Our flat fee is fixed regardless of portfolio size, so your cost stays predictable as you build more wealth.
Yes. Portfolio management and rebalancing are included in your flat fee. We build low-cost, diversified portfolios aligned with your goals and time horizon. There is no additional charge for managing your investments.
Yes. There are no long-term contracts. You can cancel at any time. We keep clients by delivering ongoing value, not by locking them into agreements.
Yes. We are based in Carbondale, Illinois, but we serve clients across the country, entirely virtually. All meetings are conducted by video call. Many clients find the virtual relationship actually gives them more regular touchpoints with their advisors, not fewer.
Book a free intro call and we will help you figure it out. In general: if you are within 10 years of retirement or already retired, the Pre-Retirees and Retirees plan is the right fit. If you are building wealth, growing your career or business, and managing competing financial priorities, the Wealth Accumulators plan is designed for you.
Yes. Advisory services are offered through Core Planning LLC, a Registered Investment Advisor. As a registered investment advisor, we are legally required to act in your best interest at all times. We do not sell products, earn commissions, or have any financial incentive to recommend anything other than what is genuinely right for your situation.

Not sure which plan fits?
Let's figure it out together.

Book a free 30-minute intro call. We will walk you through both options and give you an honest recommendation. No obligation, no pressure.

Book Your Free 30-Min Call

No asset minimums. No long-term contracts. Serving clients nationwide.