Synergos Planning Fees

Planning Priced Around Complexity, Not Assets

Synergos charges a flat monthly planning fee rather than a percentage of the assets you have accumulated. Your fee reflects the scope and complexity of the planning work involved.

Advice-only financial planning. You remain in control of your financial accounts and investment decisions. Synergos provides analysis, recommendations and ongoing guidance without requiring you to transfer your assets.

Choose the Planning Level That Fits Your Situation

Each level uses the same planning process. The difference is the breadth, complexity and ongoing work required.

Foundation

Build the Basics

$250/month

Approximately 10 hours of planning annually

 

Designed for

People who are beginning to build financial resources and want help establishing a strong savings, investment and financial planning foundation.

Typical planning focus

  • Goals and financial priorities
  • Cash flow and budgeting
  • Cash reserves
  • Savings strategies
  • Retirement savings strategies
  • Portfolio review and investment recommendations
  • Employee benefits
Ongoing implementation coaching with up to 4 meetings per year.

Momentum

Coordinate Growing Complexity

$350/month

Approximately 14 hours of planning annually

 

Designed for

People who have established a solid financial foundation and are rapidly building wealth as their tax, investment and planning decisions become more interconnected.

Adds planning such as

  • Asset location and tax allocation
  • Tax planning scenarios
  • Insurance analysis
  • College savings strategies
  • Home purchase analysis
  • Equity compensation planning
  • Coordination with tax and estate professionals
Ongoing implementation coaching with up to 6 meetings per year, including coordination meetings when appropriate.

Destination

Manage Significant Complexity

$450–$1,000/month

Approximately 18–40 hours annually, depending on complexity

 

Designed for

People who have accumulated significant wealth and need deeper, ongoing analysis across multiple interconnected financial decisions.

Adds planning such as

  • Complex tax planning scenarios
  • Advanced equity compensation planning
  • Business retirement plan analysis
  • Gifting strategies
  • More extensive portfolio and asset-location analysis
  • Coordination across multiple planning professionals
  • More frequent decision support
Ongoing implementation coaching with up to 12 meetings per year, including meetings with tax and estate planning professionals.

Planning May Include

Planning is coordinated across your financial life rather than treated as a collection of unrelated topics.

Cash Flow & Saving

  • Cash flow review
  • Budgeting
  • Cash reserves
  • Savings strategies
  • Major purchase planning

Investments

  • Portfolio analysis
  • Asset allocation and location
  • Investment recommendations
  • Tax-aware investment strategy

Tax Planning

  • Tax projections and scenarios
  • Retirement contribution strategies
  • Roth conversion strategies
  • Equity compensation tax analysis
  • Year-end planning

Equity Compensation

  • RSUs and restricted stock
  • Incentive stock options
  • Nonqualified stock options
  • Employee stock purchase plans
  • Concentration-risk decisions

Risk & Benefits

  • Employee benefits
  • Life insurance
  • Disability insurance
  • Long-term care considerations
  • Risk-management review

Long-Term Planning

  • Financial independence
  • Retirement projections
  • Education funding
  • Estate planning coordination
  • Gifting strategies

Your planning needs determine the fee. 

Not every client needs every analysis shown above. We focus on the decisions that are relevant to your situation and use deeper analysis when it can materially improve a financial decision.

See If We’re a Good Fit