Financial Planning Pricing
Our Approach: Comprehensive, Integrated & Team Oriented
Comprehensive
Financial planning involves the detailed review and analysis of all facets of your financial situation — budgeting and cash flow, Retirement, risk management, Investment Management, tax management, College Savings Plan, and Estate Planning.
We leave nothing on the table.
Integrated
Each financial planning component is interconnected in a dynamic system. Integrated financial planning takes a holistic approach to how each component is set into the context of your situation.
Every choice has a trade-off in other areas of your finances.
Team Oriented
Your Advisor Representative acts as the point person in the financial planning relationship. The Financial Planning and Investment Management staff also help design and implement your plan.
We work with your CPA, Estate Planning attorney, and other outside professionals.
Financial Planning Service Tiers
Spring 2026 Pricing¹
Introductory Financial Planning
$999
- Budgeting so you can save
- Retirement Planning
- Investment Savings Review
- Life Insurance Review
- Basic Estate Planning Docs Review
- Up to $100 credit for Estate Planning documents through Trusts & Wills.com
- Benefits Review
- College Savings Planning
- Implementation Support
- One Complementary Plan Update
Introductory Financial Planning
$1,999
- All Introductory Services +
- Estate/Asset Transfer Strategies
- Up to $250 credit for Estate Planning Documents through Trusts & Wills.com
- Small Business Planning Integration
- One Complimentary Plan Update
Introductory Financial Planning
$2,999
- All Comprehensive Services +
- Unlimited Reviews (24 months)
- Up to $500 credit for Estate Planning (Some Limitations Apply)
- Complementary Small Business Planning
¹ All pricing subject to change. Prices are negotiable. Investment Management not included. Final pricing in Client Services Agreement. Bellaire Capital Management, LLC is a Registered Investment Advisor.
Why Work with a Financial Planner?
Clarity & Confidence
Know exactly where you stand and where you're headed. A plan replaces anxiety with purpose.
Tax Efficiency
Proactive planning can significantly reduce your lifetime tax burden through smart strategies.
Retirement Readiness
Know your number. Know your date. Know your income will last as long as you do.
Accountability
Having a trusted advisor keeps you on track and helps you avoid costly emotional decisions.
Coordinated Advice
Your financial plan integrates investments, insurance, estate, and tax strategies into one coherent picture and is one of the main areas where we find clients save significantly on fees.
Protection from Mistakes
Studies consistently show that investors with advisors outperform those acting alone — largely by avoiding major errors.
Why Work with a Financial Planner?
Budgetting & Saving
The lifetime budget is the Cornerstone of a financial plan. From generating savings to grow your wealth to helping you prioritize spending that supports your lifestyle goas, a sound Financial Plan starts with a detailed budget.
Retirement Planning
We project how much income you’ll need and map out savings targets, 401(k) and IRA strategies, and withdrawal approaches so you can retire with confidence—not uncertainty.
Investment Planning
Your portfolio allocation is thoughtfully tailored to align with your goals and risk tolerance, ensuring that your investments effectively support your retirement timeline and long-term objectives. Most importantly, we recommend targeted Tax Aware strategies to boost your after-tax returns, allowing your retirement resources to endure for a longer period.
Tax Planning
We identify opportunities to reduce unnecessary taxes through strategic savings, retirement contributions, and coordination with your CPA.
Education Funding
For families, we evaluate 529 plans and other savings vehicles to help you prepare for college without sacrificing your own retirement.
Insurance Review
We review life and disability coverage to make sure your family is protected if the unexpected happens.
Estate Planning
In coordination with your attorney, we help ensure your wills, trusts, and beneficiary designations align with your long-term wishes.
Financial Planning Comprises 3/4 of the Investment
Advisor Value Chain
Investment advisors provide value across four interconnected disciplines. A Financial Plan is the foundation that makes everything else possible.
Goals Based Planning
25%
Tax Efficient Investing and Asset Transfer
25%
Advice to Keep you On Track
25%
Investment Management
25%
Financial Planning
75% of Total Advisor Value
Investment Mgmt
25%
At Bellaire Capital Management, we deliver across the entire value chain. Most clients come to us for investment management and discover that the financial planning — retirement, tax, risk, and estate strategy — is where the greatest value is created.
Our Investment Management Process
From risk profiling to ongoing monitoring — a disciplined, transparent process.
Step 1: Risk Profile & Goals
We assess your risk tolerance, investment horizon, liquidity needs, and financial objectives.
Step 2: Investment Policy Statement
We document your investment guidelines, asset allocation targets, and constraints in a formal IPS.
Step 3: Portfolio Construction
We build a diversified portfolio across asset classes, geographies, and styles aligned to your IPS.
Step 4: Fund &Security Selection
We evaluate funds, ETFs, and individual securities using a rigorous, datadriven selection process.
Step 5: Monitoring &Rebalancing
We monitor portfolios continuously and rebalance when allocations drift beyond defined thresholds