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Know Exactly What You Pay Your Advisor—And Why.

Beware of financial advisors who only speak in percentages. Typically, it’s a gimmick used to soften what you’re actually paying. At PDS, we talk in dollars and cents. It’s our refreshing, honest approach to fee-only financial planning.

When We Say Fee-Only, We Actually Mean It. 

We have attempted to remove any conflict of interest so that we can be solely focused on giving truly objective advice—without excessive fees.

Transparent Fee-Only Structure

We charge a clear fee for the time and resources it takes to do the planning work required.

Dollars, Not Percentages

We believe it’s unfair to pay more simply because you’re worth more. That’s what a percentage-based fee does. Our fixed-dollar fees reflect our work, not your net worth.

No Commissions

We don’t receive compensation for the sale of securities, insurance products, or other investments.

No Performance-Based Fees

Performance-based compensation creates an incentive for advisors to recommend riskier investments.

No Hidden Costs

We don’t pay referral fees to third-parties, participate in wrap-fee programs, or charge fees for work we don’t perform.

We Work For You

Some firms make money from referral fees. Not at PDS. The only person who pays us is you.

We Don’t Charge More Because You Have More.

Traditional percentage-based fees only benefit the advisor, not the customer. Most advisors or brokers base their fees on a percentage of your assets. You pay more simply because you have or are making more. You also pay more every time you save more! We think this is fundamentally unfair because more money doesn’t necessarily mean more complexity, or work. That’s why at PDS, we charge a fee based on your needs.

PLEASE NOTE: Limitations. The above is for illustration purposes only. The Traditional Planner fee estimate is based on Advisory HQ’s independent 2021 average financial advisors fee report. Although fees impact investment performance, no specific fee structure can produce positive investment returns. To the contrary, different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by PDS Planning, Inc.) will be profitable.

Our Unique Fixed Fee Structure Accelerates Your Portfolio Growth.

Our fee structure is designed to minimize fees while maximizing growth. Less fees means more money invested. And that means more funds in your retirement or investment accounts.

PLEASE NOTE: Limitations. The above is for illustration purposes only. This analysis assumes a $2,000,000 starting value, $25,000 of annual contributions for 25 years and 5% annual gross rate of return over a 25 year time period for both the projected Traditional Planner and PDS Planning Client. The Traditional Planner fee estimate is based on Advisory HQ’s independent 2021 average financial advisors fee report. This also assumes 1% annual inflation to the PDS Planning fixed fee. Although fees impact investment performance, no specific fee structure can produce positive investment returns. To the contrary, different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by PDS Planning, Inc.) will be profitable.

Who We Serve

Over 30 years, we’ve proven that the work, time, and resources required to achieve your goals is often defined by where you are in your financial journey.

Portfolio Management

You have professionals managing your financial, business and legal needs. You also want professional investment management and administration under a flat, fee-only structure stated in dollars, not a percentage of your assets.

Foundational Planning

You need to build a foundation for your financial plan with a responsive, objective advisor putting your interests first. You seek an experienced advisor with a proven service platform specialized and tailored to your specific needs.

Wealth Management

You have reached a point in your life where your financial decisions require thoughtful and customized planning with a trusted team of experts and advisors to help guide you through your financial and life decisions.

It’s Your Future. Let’s Plan For It, Together.

We are fee-only financial advisors who charge a fair fixed fee for our services. We’d love to meet you and discuss your needs.

Contact Us


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