Simple, Transparent Fees

How We Price

We charge simple, transparent, flat fees for our financial planning services. There are no hidden fees and no surprises. We don’t sell anything and don’t manage our clients’ assets, so can give advice that is free of any significant conflicts of interest. We focus on early-career physicians and can offer flexible processes and payment terms for physicians transitioning from residency or fellowship to their first attending position.

Our service includes processes to help you develop the plan, implement the plan and update the plan. While each process is priced separately, as shown below, the Aptus service is integrated and the individual processes are not offered ala carte. Most of our clients start with a comprehensive plan and AptusCare. As our clients gain confidence and experience, many eventually transition to the lighter-touch AptusCare Limited service. 

Aptus does not offer one-time plans and we believe financial planning is a continuous process. We ask our clients to commit to at least one year of ongoing support and at least the first annual checkup, and most of our clients stay with us much longer.

Typical Initial Commitment

Comprehensive Plan - $3,480
AptusCare (12 x $193) - $2,316
First Annual Review - $1,160
Total - $6,956

Ongoing Cost
AptusCare

Annual Review - $1,160
AptusCare (12 x $193) - $2,316
Total - $3,476

Ongoing Cost
AptusCare Limited

Annual Review - $1,160
AptusCare (12 x $97) - $1,164
Total - $2,324

1. Develop the Plan

Comprehensive Plan - $3,480 (Most Common)

In-depth planning process, including two 2-hour Zoom meetings and 8 hours of additional Aptus planning time outside of meetings.

Our comprehensive plan is the appropriate starting place for the vast majority of our new clients. Having a thorough review and analysis of each component of your financial plan ensures that we have the time and information to help you build a plan that is holistic, synergistic, and adaptable, now and in the future.

Limited Review - $1,740

More limited process for confident, experienced DIYers, including one 90-minute Zoom meeting and 4 1/2 hours of additional Aptus planning time outside of meetings.

Our limited review is typically only appropriate for new clients with a long track record of successfully self-managing their finances, and not facing any major life changes. It may also be appropriate for clients with very few variables in their financial life (e.g., a single medical resident).

2. Implement the Plan

We ask our clients to commit to at least one year of ongoing support and most of our clients stay with us much longer.

Aptuscare - $193 Per Month (Most Common)

We provide financial guidance and support throughout the year, including an assessment of your situation approximately every 2 months and up to 2 1/2 hours per year of emails, calls and Zoom meetings.

Aptuscare Limited - $97 Per Month

More limited support for confident, experienced DIYers, including an assessment of your situation approximately every 3 months and up to 30 minutes per year of emails, calls and Zoom meetings.

3. Update The Plan

Annual Review - $1,160 Per Year (For CURRENT APTUSCARE AND APTUSCARE LIMITED Clients Only)

We sit down with you each year for a formal annual review of your finances to see how you are tracking toward your goals, determine the next best actions, and understand how we can best support you.

Timely annual reviews are an essential, required, and valuable element of our ongoing support services. During the annual meetings, we review and update your plan to reflect changes in your life, goals, income, expenses and investments as well as any relevant revisions of tax laws and regulations. These annual updates inform our planning priorities each year and help us make any necessary course corrections.

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Do Advisor Fees Really Matter That Much?

Do Advisor Fees Really Matter That Much?

A 40-year-old client starting with $500,000 and contributing $20,000 per year would save a total of $180,000 in fees over 25 years with Aptus's most comprehensive ongoing support versus an advisor charging 1% of assets under management. An AptusCare client would also have the option to reduce support or completely DIY down the road. YES, FEES MATTER!

Our Services

Financial Planning

Workplace Retirement Plans

Physician Financial Education