Fee-Only Financial Planning, L.C.

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Client assets under management

$404,368,224

Clients

141

66% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Typical

Average account size

$2,867,860

About

Fee-Only Financial Planning, LC provides fee-only financial planning and discretionary investment management to individuals, trusts, and estates, serving both high-net-worth and non‑HNW clients. The firm manages roughly $404 million for about 141 clients through a three-advisor team and offers planning across cash flow, tax and retirement planning, insurance review, estate planning, and ongoing portfolio supervision.

The firm’s investment approach centers on diversified asset allocation, cost-conscious selection (favoring indexed mutual funds and ETFs) and use of individual bonds for fixed income, with an emphasis on long-term holdings and periodic rebalancing; cash is treated as an asset class. While the firm generally does not recommend margin, it will permit borrowing in managed accounts in limited circumstances and treats margined assets as part of fee calculations, a practice that differs from most peers.

Noteworthy features include a staff of three CFP® professionals with extensive combined experience and use of Dimensional Fund Advisors funds (funds that are typically available only through approved advisers), as well as an informal business-continuation arrangement with another fee‑only firm. The firm also offers complementary exploratory interviews and short-term limited-service engagements tailored to younger professionals, reflecting a client-education and flexible-service mix that is uncommon among similar supported firms.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General tax planning Cash flow / budgeting

Demographic focus

Young Professionals

Fee options

Fixed

Limited-Service Engagement flat fee usually from $500 to $2,000; Financial Planning Agreement requires minimum $10,000 fee; written requests for copies and documents $500 minimum fee.

Percentage

$0+: 1.00% of AUM first year, then 0.75% annually thereafter (billed quarterly in advance) +: Plus 1.5% of gross income during first year for financial planning fees

Project-based

$250 per hour for associate advisor; $500 per hour for senior advisor services.

Subscriptions

Retainer Agreements with minimum annual fee $7,500 billed quarterly in advance.

Other

Account minimum: $10,000 Minimum fee: Minimum financial planning fee of $10,000 (adjustable at discretion); minimum annual retainer fee of $7,500 Fee-only: Fee-only financial planning and investment advisory services; no commissions or product sales accepted.

Main office location

Fee-Only Financial Planning, L.C.

Okatie SC, United States

Number of offices

Most active in

Florida · Georgia · North Carolina · South Carolina · Texas · Virginia

Disclosures

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 540-342-7102

Advisors at this firm

Margaret B

CFP®

Okatie, SC

Fee-Only Financial Planning, L.C.

Margaret Bowen is a CFP® professional with six years of industry experience, currently serving at Fee-Only Financial Planning, L.C. in Alpharetta, GA. She joined the firm in 2016 after a year at SmartPak Equine. Fee-Only Financial Planning, L.C. provides fee-only financial planning and discretionary investment management to individuals, trusts, and estates, including high-net-worth clients. The firm emphasizes diversified asset allocation using low-cost index funds and ETFs, fixed income through individual bonds, and a longer-term investment approach.

General tax planning Cash flow / budgeting Young Professionals

Andrew H

CFP®

Okatie, SC

Fee-Only Financial Planning, L.C.

Andrew Hudick is a CFP® professional with 38 years of experience in financial planning. He has been with Fee-Only Financial Planning, L.C. since 1981. Fee-Only Financial Planning, L.C. provides fee-only financial planning and discretionary investment management to individuals, trusts, and estates, including high-net-worth clients. The firm emphasizes diversified asset allocation, low-cost index funds and ETFs, and longer-term holdings, managing approximately $364 million in discretionary assets for about 142 clients.

General tax planning Cash flow / budgeting Young Professionals

Anne H

CFP®, Series 63

Okatie, SC

Fee-Only Financial Planning, L.C.

Anne Hudick is a CFP® professional with 25 years of experience at Fee-Only Financial Planning, L.C., where she has worked since 2001. She holds the Series 63 designation and is based in Okatie, South Carolina. Fee-Only Financial Planning, L.C. provides fee-only financial planning and discretionary investment management to individuals, trusts, and estates, including high-net-worth clients. The firm emphasizes diversified asset-allocation models, low-cost index funds and ETFs, and longer-term holdings, managing approximately $364 million in discretionary assets.

General tax planning Cash flow / budgeting Young Professionals

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