Comprehensive
Services
Packages & Pricing Details
Flat fees, not based on how much money you have.​
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We know needs differ, so we offer three options designed around our comprehensive planning philosophy:
Plan Details
Option #1: Premier
Wealth Planning
Option #2: Comprehensive Wealth Planning
Option #3: Core Wealth Planning
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Best for high-net-worth clients with highly complex financial profiles, particularly those with significant equity compensation.
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$12,500 per year
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Best for clients with a moderately complex financial profile
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$8,500 per year
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Best for clients earlier in their careers, but with a financial profile growing in complexity
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$6,500 per year
*We review your complexity annually. For example, clients may begin with Premier Wealth Planning to navigate initial complexities, then transition to Comprehensive Wealth Planning once their financial foundation is established and simplified.
What is Included
Cash Flow/Debt Management
Option 1
Option 2
Option 3
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Budgeting/Cash Flow Planning
Debt Planning
Retirement Income Planning
Markets will always be noisy, tax laws will change, and there will never be a perfect time to retire. We can help you rebuild the feeling of security that a regular paycheck gave you. This includes tax-efficient withdrawal strategies, navigating sequence of return risk, bridging the gap to Social Security, healthcare strategy, and stress-testing against market volatility.
Equity Compensation/Tax
Option 1
Option 2
Option 3
Standard Equity Compensation
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Liquid Equity Strategy (RSUs/ESPP): Strategic evaluation of your RSU income and guidance on optimal ESPP approach.
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Private Employer Stock (ISOs/NSOs): Assessment and strategizing around ISO/NSO grants to help maximize value, while balancing lifestyle needs vs allocation to building your position in your employer stock.
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​Tax & Cash Flow: Proactive planning to mitigate tax liabilities, including addressing RSU under-withholding issues or estimating the total cost to exercise private options so you are financially prepared.
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Active Tax Management: Continuous, year-round tracking of your total tax liability vs. shortfall to manage estimated payments, prevent underpayment penalties, and eliminate large cash-flow surprises in April.
Includes everything in Standard, plus:
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Concentrated Stock Strategy: Systematic planning to de-risk large public positions.
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Liquidity Event Guidance: Strategic planning for high-stakes transitions (IPO, M&A, Tender Offers).
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Options Strategy: Detailed multi-year projections for ISO/NSO exercises, while also analyzing the trade-offs between "Exercise & Hold" (for capital gains tax treatment) vs. AMT exposure to determine your optimal tax "sweet spot" each year.
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​New Grant Triage: Analysis for new job offers or early-stage grants to determine if an 83(b) election/early exercise is appropriate to lock in lower valuations and start the capital gains clock.
Intermediate Equity Compensation
Includes everything in Intermediate, plus:
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Multiple Forms of Equity Complexity: Comprehensive management for households navigating multiple forms of equity simultaneously (e.g., dual-tech spouses or serial founders), ensuring tax efficiency and risk management across disparate vesting schedules.
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Executive Compensation: Planning for complex executive benefits, such as Non-Qualified Deferred Compensation (NQDC) plans.
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​Complex Diversification Coordination: Collaboration with professional teams to evaluate advanced tools for massive concentration, such as Exchange Funds or 351 Exchanges for tax-deferred diversification.
Advanced Equity Compensation
Standard Tax
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Tax-Efficient Savings: Guidance on optimizing contributions across tax-advantaged accounts (e.g., HSA, FSA, 401k) to proactively lower your current year tax liability.
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Strategic Asset Location: Implementation of a location strategy to place specific assets in the most tax-efficient accounts (e.g., holding high-growth assets in Roth and bonds in tax-deferred) to maximize after-tax returns over the long term.
Includes everything in Standard, plus:
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Advanced Roth Strategy: Execution of Backdoor Roth IRAs and Mega Backdoor Roth strategy (when available) to maximize after-tax retirement savings. Strategic evaluation of converting pre-tax assets to Roth during lower-income years (e.g., sabbatical, between jobs) to lock in lower tax rates on your lifetime wealth.
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Tax-Loss Harvesting: Active monitoring of taxable accounts to harvest losses during market dips, creating a "tax asset" that can offset future portfolio gains.
Intermediate Tax
Advanced Tax
Includes everything in Intermediate, plus:
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Advanced Employer Stock Tax: Comprehensive review and documentation of Qualified Small Business Stock (Section 1202) eligibility to potentially exclude up to $10M of federal capital gains tax upon sale.
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Real Estate Tax Strategy: Guidance on complex real estate tax transactions, such as 1031 exchanges.
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Advanced Philanthropic Planning: Strategic timing of large charitable contributions (e.g., using a Donor Advised Fund or Charitable Remainder Trust) to specifically offset high-income tax years.
Option 1
Option 2
Option 3
Retirement/Investments/College
SWP Does It For You
Investment Management
(Model Portfolio Based)
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Ongoing Management: Management of your investment portfolios is outsourced to SWP and tailored to your unique situation. Client assets are required to be moved to our third-party custodial platform, Altruist, for management duties. Click here to learn more about what that means. Clients unable to move accounts can opt for our project-based plans shown at the bottom of https://www.simplifywealthplanning.com/services-and-pricing
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Efficiency-Oriented: We largely utilize low-cost ETFs to maximize efficiency and minimize product fees.
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Tax Focus: Incorporates tax-efficient strategies to maximize after-tax returns, including tax-loss harvesting, asset location, tax-aware portfolio transitions, etc.
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Note: Outsourcing investment management to SWP assumes adherence to our proprietary investment approach (our "model portfolios"). While clients may request additional customization outside of our approach, such custom modifications may command additional fees. Any additional fees will be discussed with clients in advance.​
College Planning
Direct Real Estate Investments
For clients with more than one direct real estate rental property. We help clients evaluate decision-making regarding their direct real estate investment properties, including 1031 exchanges, refinancing decisions, etc.
Insurance/Estate Planning
Option 1
Option 2
Option 3
Standard Insurance
Comprehensive review of existing insurance coverage, including life, disability, and property/casualty. Identify coverage gaps, recommend solutions and align insurance with financial goals.
Includes everything in Standard, plus:
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Advanced analysis of layered insurance needs, incorporating strategies to achieve tax-efficient growth and enhanced financial flexibility.
Advanced Insurance
Provide guidance around essential documents like wills, powers of attorney, revocable trust and healthcare directives. Conduct a beneficiary audit to align designations on retirement accounts and insurance policies with financial plan objectives.
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Provide access to estate documents creation platform for additional ~$600 fee (via EncoreEstate Plans). More complex estate planning documents may still require outside attorney assistance, which would incur additional costs.
Standard Estate
(document preparation additional cost)
Includes everything in Standard, plus:
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Provide guidance on specialized trusts, such as special needs or marital trusts, to protect beneficiaries.
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Advanced wealth transfer strategies like GRATs to pass on appreciating assets with minimal tax impact.
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Provide access to estate documents creation platform for additional ~$600 fee (via EncoreEstate Plans). More complex estate planning documents may still require outside attorney assistance, which would incur additional costs.
Advanced Estate
(document preparation additional cost)
Option 1
Option 2
Option 3
Additional Value-Add
Charitable Giving
Empolyee Benefits Review
Accounting Services
(CPA charges separately)
We maintain a robust roster of tax partners with whom we work closely on behalf of clients, to ensure you don't have to stay on top of all the fine details. Our partners charge based on complexity and fees typically range from $500 to $1,500+.