Flat Fee Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Flat Fee Financial LLC provides investment management, financial planning, retirement plan consulting and retirement plan management, and educational seminars to individuals, high-net-worth clients, and employer plan sponsors. The firm is fee-only and offers both project-based and ongoing planning engagements as well as consulting and discretionary management for employer-sponsored plans.
The firm’s investment approach draws on Modern Portfolio Theory, passive investing, and factor analysis to build diversified portfolios of stocks, bonds, mutual funds, ETFs, and cash equivalents tailored to each client’s risk tolerance and time horizon. Accounts are generally managed on a discretionary basis, with held‑away account reviews and both long‑term and short‑term trading used as appropriate to the client’s plan.
Compared with many solo independent advisers, Flat Fee Financial is notable for offering employer retirement plan services (including acting as an ERISA 3(38) investment manager) and running educational seminars—services that are relatively uncommon among peers of its size. The firm also uses a flat fee billing model rather than a traditional percentage‑of‑assets schedule and maintains institutional custody relationships while operating on a no‑commission, fee‑only basis.
Client services
Expertise
Fee options
Project-Based Financial Planning fixed fees between $500 to $5,000; Educational Seminars/Speaking Engagements fees $500 to $5,000 per seminar
$0 - $2,500,000: $2,500,001 - $5,000,000: $5,000,001+:
$200 per hour for Project-Based Financial Planning
Ongoing Financial Planning recurring fixed fees ranging from $200 to $2,000 per quarter
Account minimum: $200,000 Fee-only: Investment Management fee negotiable up to 2% of assets under management; fixed fees for ongoing financial planning from $200 to $2,000 quarterly; fixed fees for project-based financial planning from $500 to $5,000; hourly rate $200/hour; fees for seminars from $500 to $5,000
Main office
Charlotte NC
Advisors at this office
1
Most active in
North Carolina
Also doing business as
Flat Fee Financial · Flat Fee Financial 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:
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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.
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