First Dollar Saved LLC
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About
First Dollar Saved LLC provides fee-only financial planning and investment advice to individuals and families, with a stated focus on clients who are beginning their investment journeys. Services are offered a la carte and include written financial plans, workplace retirement savings reviews, short Q&A sessions, and a “Hassle-Free Investment Checkup”; the firm reports no assets under management and does not take custody of client funds.
The firm follows a passive, goals-based investment approach, recommending low-cost index mutual funds and ETFs, setting target asset allocations, and advocating a buy, hold, and annual rebalance strategy. Advisors provide specific reallocation instructions, assist clients in opening and maintaining their own brokerage or IRA accounts, and do not trade on clients’ behalf or exercise discretionary authority.
Notably, the firm charges flat, fee-only advisory fees rather than percentage-of-AUM compensation, a pricing model that differs from many peers in its regulatory category. It also emphasizes short-form educational and support offerings—30-minute workplace reviews, post-meeting email support for 30 days, and standalone checkups—and discloses no third-party compensation, soft-dollar benefits, or affiliate conflicts.
Client services
Expertise
Demographic focus
Fee options
Investment Plan: $250; Hassle-Free Investment Checkup: $200; Review workplace retirement savings options: $100; Question/Answer session (30 min): $100
Fee-only: Flat fees ranging from $100 to $250 per service
Main office
Spring Lake MI
Advisors at this office
1
Most active in
Michigan
Also doing business as
First Dollar Saved · First Dollar Saved LLC · Osborn, Steffanie
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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