Ascent Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ascent Financial Planning offers financial planning and portfolio management services for individuals and families, with particular emphasis on retirement planning, cash flow and budgeting, and federal student loan guidance. Services include standalone planning engagements (including a one-hour student loan consultation), ongoing financial planning, tax preparation and planning, and discretionary portfolio management for individual accounts.
The firm’s investment work combines fundamental quantitative and qualitative analysis with model ETF portfolios and selective use of individual equities and fixed income to match client risk tolerances and time horizons. Ascent operates on a fee-only basis and uses a mix of fee arrangements—fixed-fee planning engagements, limited hourly work for specific tasks, and asset-based management—while recommending and coordinating with unaffiliated custodians and other third‑party advisers to facilitate custody and execution.
Noteworthy features include the firm’s explicit focus on federal student loan strategy and a packaged one-hour meeting product for that purpose, the use of fixed and hourly pricing options for different services, and the requirement that discretionary asset management is offered only to clients engaged in ongoing planning. The brochure also discloses reliance on a third‑party custodial platform that provides portfolio tools and potential platform benefits, and the firm does not act as a private fund adviser; at the time of the brochure it was newly formed and reported no assets under management.
Client services
Expertise
Fee options
One-Hour Student Loan Meeting: $499 fixed one-time fee; Amended Return Fee: $595 or $1,295; Prior Return preparation fee: $1,500 flat fee
$0 - $250,000: $250,000 - $500,000: $500,000+: $0 - $1,000,000: 0.75% annually $1,000,001 - $2,000,000: 0.65% annually $2,000,001 - $5,000,000: 0.50% annually $5,000,001+: 0.35% annually
Additional hourly fee for tax services: $199 per hour, billed in 15-minute increments
Fee-only: Financial Planning Fee: $199 per month for clients with less than $250,000 AUM; $99 per month for $250,000 to less than $500,000 AUM; fee generally waived at $500,000 or more AUM; One-Hour Student Loan Meeting fixed fee: $499; Tax Onboarding Fee: $999; Tax Recurring Fee: $1,500 to $2,400 annually; Amended Return Fee: $595 or $1,295; Additional Hourly Fee: $199 per hour
Main office
Chicago IL
Advisors at this office
1
Most active in
Illinois
Also doing business as
Ascent Financial Planning · Ascent Financial Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)