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Know Exactly What You Pay Your Advisor—And Why.

Beware of 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.

We Don’t Charge More Because You Have More.

Traditional percentage-based fees only benefit the advisor. Most advisors or brokers base their fees on a percentage of your assets. You pay more simply because you have 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 fixed 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 2017-2018 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 2017-2018 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.

What Will You Pay With PDS?

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.

Organize

You need to build a foundation for your life and legacy.

This is likely the plan you need if you:

  • Are investing for the first time and need objective advice, not a product pitch
  • Want help structuring employer benefits
  • Need help selecting the right insurance plans
  • Don’t have a will or plan for your estate
  • Want to make sure you get off on the right start – and avoid costly mistakes!

Get Free Estimate

No personal or contact information is required.

Optimize

You want to enhance the work you’re already doing.

This is likely the plan you need if you:

  • Believe you could benefit from a fresh look at your investment strategy
  • Are starting to be presented with private investment opportunities from friends and colleagues
  • Have “too many” accounts and underperforming investments
  • Want help understanding stock incentives from your company
  • Realize that taxes may be creating a drag on your wealth creation
  • Wonder if you have the right types (and right amount) of insurance coverage
  • Are unsure if your estate plan is structured in a way that will support your continued wealth accumulation
  • Need to convert your assets into a retirement income plan

Get Free Estimate

No personal or contact information is required.

Maximize

Your decisions require complex planning.

This is likely the plan you need if you:

  • Have a blended family that requires thoughtful planning
  • Believe you should consider some private investments
  • Want to restructure older investments like life insurance and annuities
  • Wish to assess the concentration of your stock options
  • Need to create liquidity from your business to support your retirement lifestyle
  • Wish to extend your wealth to the next generation
  • Need to transfer your business to a new owner
  • Want a strategy to maximize charitable giving

Get Free Estimate

No personal or contact information is required.

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 the 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.

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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