BOK Financial
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Flat-Fee Financial Planning

Financial planning & coaching for all.

Get expert guidance directly from a personal Certified Financial Planner® (CFP®) who coaches you every step of the way toward your financial goals and through whatever life throws your way.

Chat with someone on our team to see if flat-fee financial planning is right for you. No obligation.

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  • open wallet icon Affordable
    One flat fee. One year of professional financial planning. No asset or income requirements. No commission or hidden fees.
  • phone and clock icon Convenient
    Meet with your planner online, on your schedule, to see your full financial picture and plan for the future. It’s that simple.
  • person with checkmark Made for You
    Working a 9-to-5? Own a business? Major life changes? Children to consider? Straightforward or complex, we've got you.

A tailor-made financial plan (and your very own CFP®) to help get you where you want to go.

Your personal Certified Financial Planner® (CFP®) will work with you to understand your complete financial picture, craft a comprehensive strategy, and coach you every step of the way.

• Focused on achieving your financial goals, needs, and wants.
• Designed to help you make confident financial decisions.
• Backed by a team of experts with diverse financial specialties.

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Online financial planning sessions on your schedule.

You'll regularly meet with your Certified Financial Planner® to discuss goals, review your plan, and make adjustments for the financial road ahead.

• Set-up unique scenarios to see how different decisions will impact your long and short-term financial goals.
• Check ins with your CFP® to measure progress and strategically pivot to address changes in your life or financial picture.
• No extra charge: all included in your flat fee.

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Track progress toward your goals with our online financial planning portal.

A holistic view of your finances, assets, and progress toward goals, needs and milestones – anytime, anywhere.

• Ability to connect various financial accounts for a singular view of your finances and assets.
• Adjust your plans anytime alongside your CFP®.
• Use the portal to review scenarios over time as your financial picture evolves.

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Gain confidence that you're on the right path, no matter how straightforward or complex your finances.

Starting from scratch? Have an idea or plan-in-progress? Your CFP® can make sure you’re not missing anything and help get you on the right path toward your goals.

• No minimum asset or income requirements.
• Experienced guidance and coaching based on your specific situation.
• Ongoing partnership to meet changing needs.

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Simple pricing, no surprises.

Our CFP®s will help you select the right plan based on the complexity of your financial situation.
Flat fee for plan development and first year of coaching with an option to renew with adjusted fees for subsequent years. Opt out at any time.

Plan 1 $1,500
Flat Fee (first year)

Generally, for clients whose income is solely reported on a W-2.

$1,000 each following year you choose to engage.

Plan 2 $2,000
Flat Fee (first year)

Generally, for clients whose income includes additional sources such as 1099 earnings, rental or real estate income, mineral royalties, etc.

$1,500 each following year you choose to engage.

How we get started together

Schedule a conversation today
Fill out our quick online form and someone from our team will contact you so you can determine if flat-fee financial planning is right for you.
Ready to get started? We’ll get the full financial picture
We’ll start with an initial “get to know you” meeting, where we learn about your goals, priorities, and finances.
Start the journey toward your goals with your CFP®
We will meet throughout the year to develop your plan, make adjustments and review progress.

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Frequently asked questions

Flat-fee financial planning offers simplified, fee-for-service financial planning. By enrolling, you are making a proactive commitment to securing your financial future – for yourself and those who matter most to you. Our goal is to build a long-term relationship rooted in trust and results, but there’s no obligation to a multi-year engagement. You have the flexibility to opt out at any time, ensuring the planning process remains aligned with your needs and goals.
Our pricing is designed to reflect the complexity of your financial situation. Clients whose income is solely reported on a W-2 typically fall into our lower pricing tier, as their planning needs are more straightforward. If your income includes additional sources, such as 1099 earnings, rental or real estate income, or mineral royalties, the higher tier may be more appropriate for your situation due to the complexity. We’ll help you determine the appropriate tier during our initial conversation to ensure your plan is tailored to your specific situation.
The time commitment is designed to be manageable and meaningful. It begins with an initial “get to know you” meeting, where we learn about your goals, priorities, and financial landscape. From there, we have three planning meetings the first year and two in subsequent years to review progress, adjust strategies, and address any new developments. These meetings are structured to provide clarity and confidence without overwhelming your schedule.
To make the most of your planning experience, we’ll provide a tailored checklist of information based on the topic of each meeting. This ensures you are only gathering what’s relevant and necessary – whether it’s income details, investment statements or estate planning documents. We’ll guide you through it step-by-step so you feel prepared and confident going into each meeting.
While your external financial partners won’t be directly involved in the planning process, it can be beneficial to share your financial plan with them, especially if they play a role in implementing certain strategies. You’re welcome to involve them at your discretion, and we’re happy to coordinate with them if that helps ensure your broader financial goals are aligned and supported.
The right time to create a financial plan can be different for everyone. In general, however, the right time is when you’re ready to take control of your money and align it with your long-term goals. If you’re earning an income, managing debt, saving for something important (including retirement), or going through a life change like a new job, home, or family, a financial plan can give you clarity and direction. You don’t need to have everything figured out or be wealthy to start, you just need a desire to make your money work for you. Ultimately, the time is right when you want more confidence, structure, and peace of mind in your financial decisions.
There are no minimum income or asset requirements for flat-fee financial planning. Financial planning is about helping you make informed decisions regardless of where you are starting from. If you’re unsure whether a financial plan is right for you, talk to us. Simply complete our contact form and a member of our team will reach out for a friendly conversation with no obligation to you.
Your financial plan will begin taking shape during the first year, with meaningful progress made through the initial meetings. While the core framework is developed early on, your plan will continue to evolve as your life, goals, and financial landscape change. This ongoing (if you choose) approach ensures your strategy stays relevant and responsive over time.
In year one, we focus on building your comprehensive financial plan. This foundational work involves deeper analysis, strategy development, and personalized recommendations – which is reflected in a slightly higher initial fee. From year two onward, the fee is reduced to reflect the ongoing nature of the relationship. These years are focused on maintaining momentum, revisiting goals, and updating your plan as your life evolves. This structure ensures you receive continued support and guidance.
Your fee covers a comprehensive, personalized financial planning experience designed to help you make confident decisions across all areas of your financial life. This structure ensures you are not paying for just a document – you’re investing in a relationship and a dynamic process that grows with you.
No, you don’t need to have an investment manager to create or benefit from flat-fee financial planning. If you are already working with an investment professional, you’re welcome to collaborate with them to implement the strategies outlined in your plan. If you’re not currently working with someone, or would like additional support, we can connect you with a trusted advisor.
Your involvement is key to ensuring the financial plan is able to reflect your goals and needs. Your CFP® will work with you initially to understand your goals and needs to develop the plan. You can take your plan and make adjustments to your spending, saving, etc. to meet your goals and utilize the plan to have discussions with any specialists who assist with your financial picture including estate planners, advisors or accountants.

You’ll be supported by a team of experienced planners with diverse specialties, including Certified Financial Planners® (CFP®s), attorneys (JDs), and Certified Divorce Financial Analysts®, among others. No matter what your needs are, whether it’s retirement, estate planning, business ownership or navigating life transitions, we have the right expertise to guide you.

Our collaborative approach ensures you receive well-rounded advice tailored to your unique needs.

If you have a question that hasn’t been addressed, we’d love to hear from you. Simply complete our contact form and a member of our team will reach out to you.

Still have questions?

Don’t stress. Let’s talk to see if flat-fee financial planning is right for you. No obligation.

Simply complete this brief form and we’ll reach out to you.

 
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No matter your financial goals, we’re ready.