Transparent pricing

Comprehensive planning. One clear annual fee.

Financial planning and investment management, with hands-on implementation and a direct relationship with a CFP® professional. No commissions. No percentage-based advisory fees.

Two plans. One standard of care.

Choose the plan that fits your life.

The difference between the plans is the additional retirement-specific work included in the Pre-Retirees and Retirees plan.

Wealth Accumulators
For professionals and growing families

You're earning well and managing competing priorities across your career, family, and financial life. We help you coordinate the full picture, decide what matters next, and turn advice into action so you can enjoy life today while continuing to build toward financial independence.

$4,000/year
What's included
  • ✓ Ongoing comprehensive financial planning
  • ✓ Investment management, no AUM fee
  • ✓ Tax planning and coordination
  • ✓ Cash flow and savings strategy
  • ✓ Employee benefits planning
  • ✓ Equity compensation planning
  • ✓ Insurance and risk management review
  • ✓ Estate planning coordination
  • ✓ Proactive planning and check-ins throughout the year
  • ✓ Ongoing financial projections and adjustments
  • ✓ Unlimited CFP® access
Get Started
Pre-Retirees and Retirees
For those nearing or in retirement

Retirement introduces a new set of decisions about investments, income, Social Security, taxes, and spending. We help you coordinate those decisions so you can maintain your lifestyle and understand what you can comfortably spend, give, and enjoy.

$6,000/year
Everything in Wealth Accumulators, plus
  • ✓ Retirement income strategy
  • ✓ Social Security claiming strategy
  • ✓ Tax-efficient withdrawal sequencing
  • ✓ Roth conversion planning
  • ✓ Medicare and healthcare cost planning
  • ✓ Long-term care planning
  • ✓ Required minimum distribution planning
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
Ongoing comprehensive financial planning✓✓
Investment management and rebalancing✓✓
Cash flow and savings strategy✓✓
Tax planning and coordination✓✓
Insurance and risk review✓✓
Estate planning coordination✓✓
Employee benefits planning✓✓
Equity compensation planning✓✓
Unlimited CFP® access✓✓
Ongoing financial projections and adjustments✓✓
Social Security claiming strategy—✓
Retirement income strategy—✓
Tax-efficient withdrawal sequencing—✓
Roth conversion planning—✓
Medicare and healthcare cost planning—✓
Long-term care planning—✓
Required minimum distribution planning—✓

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 advisory fee rises as your portfolio grows. Novak's flat annual advisory fee does not automatically increase simply because your portfolio increased.

$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, send us a note or ask us during your introductory 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 annual advisory fee. We use low-cost, diversified portfolios aligned with your goals and time horizon. Underlying investment expenses and optional third-party model fees may still apply.
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, and serve clients nationwide through video meetings. In-person meetings are also available for local clients.
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. We are fiduciary financial advisors, legally required to act in your best interest. We do not sell financial products or earn commissions.

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

Tell us what you're looking for, and we'll explain the options and tell you honestly which plan we think fits.

Schedule a Call

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