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Individual Planning

You Can Do It Yourself,
But You Don’t Have To Do It Alone

 

SIMPLE, FAIR FLAT-FEES FOR HONEST ADVICE. PERIOD.


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HOW IS APTUS DIFFERENT?

1. WE DON’T SELL ANYTHING
2. WE DON'T MANAGE MONEY 0R CHARGE AN ASSET MANAGEMENT FEE
3. WE ADVISE DIY INVESTORS WHO SELF-MANAGE THEIR OWN MONEY
4. WE BELIEVE YOUR SAVINGS RATE, NOT YOUR INVESTING ACUMEN, IS THE KEY TO YOUR FINANCIAL SUCCESS
5. WE BELIEVE SIMPLE BEATS COMPLEX
6. WE HAVE DEEP INVESTMENT EXPERIENCE, BUT REMAIN HUMBLE AND CURIOUS

 
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PRICING

 

HOW CAN I WORK WITH APTUS?


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COMPREHENSIVE FINANCIAL PLAN

$4,500 ($3,000 upfront plus $125/month for 12 months)
Our most common client engagement
Two 2-hour meetings; advisor-led process; includes written planning report
Full review of cash flow management, contingency/risk management and investing/debt management

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LIMITED FINANCIAL REVIEW

$1,500 ($1,000 upfront plus
$125/month for 4 months)
Typically for confident DIY planners & investors
One 1-hour meeting; client-led process; no formal written planning report
Limited review of one or two broad planning topics and a second set of eyes on current financial situation

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APTUSCARE

$125 per month for clients who have completed a full plan or limited review
Ongoing support, including an annual check-up meeting
Facilitates 2-way dialogue on financial planning best practices

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HOURLY CONSULTATION

$250 per hour
Focused on a narrow topic or limited set of questions
For example, Aptus can help design, optimize and implement cash flow systems (household budgets)

 
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people

 
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Our mission

Aptus Financial is a principled financial services company, focused solely on what is best for our clients and free of any conflicts of interest. We provide transparent, objective, and non-conflicted advice. Period. We don't sell stocks or insurance. We don't take custody of assets and don't charge an asset under management fee. We offer comprehensive advice for a flat fee and set our clients up for a lifetime of guided DIY budgeting, planning and investing.

 

OUR TEAM


Our mission to help people informs our work, just as much as our collective credentials, experience, and licenses.

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sarah catherine gutierrez

FOUNDER/PARTNER/CEO
Lead Retirement Plan Specialist
MPP, Harvard University
Certified Financial Planner
Donaghey Foundation Trustee

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tIM QUILLIN

PARTNER/COO
Financial Planner & Retirement Plan Advisor
Chartered Financial Analyst
MBA, University of Iowa
Former U.S. Army Officer

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MATT DUNCAN

SENIOR VICE PRESIDENT
Financial Planner & Retirement Plan Advisor
Chartered Financial Analyst
18+ Years as an Investment Analyst
P.A.R.K. Foundation Board Member

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LINDA BESSETE

CHIEF COMPLIANCE OFFICER
30+ years of Financial Counseling
Author: Mindful Money

 
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PROCESS

 

WHAT ARE SOME TOPICS COVERED IN THE PLANNING PROCESS?


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planning topic 1
cash flow management

Goal Setting
Income Sources (W-2, 1099, K-1, passive)
Employee Benefits
Spending Prioritization
Savings Rate Targets and Trade-Offs
Automating Spending and Saving

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PLANNING TOPIC 2
CONTINGENCIES AND RISK MANAGEMENT

Emergency Funds
Specific Savings Goals
529 College Savings Plans
Insurance Review
Basic Estate Planning

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PLANNING TOPIC 3
INVESTING AND DEBT MANAGEMENT

Tax-Efficient Account Optimization
Asset Allocation Across All Accounts
Advisor Transition Support
Student Loan Management
Debt Reduction
Extra Mortgage Payments
Retirement Planning and Withdrawal Strategies

 

WHAT ARE THE NEXT STEPs?


  • I'M KINDA CURIOUS
  • SCHEDULE A CHAT
  • MOVE FORWARD
  • SCHEDULE MEETINGS
    2-4 MONTHS AHEAD OF TIME
  • REVIEW WELCOME EMAIL AND SIGN PLANNING AGREEMENT
  • COMPLETE DATA SHEET AND SEND SUPPORTING DOCUMENTS
  • 1ST 2-HOUR MEETING
    APTUS SENDS INITIAL REPORT & TO-DO LIST
    APTUS BILLS $3,000
  • 2ND MEETING 3-5 WEEKS AFTER 1ST
    APTUS SENDS FINAL REPORT & TO-DO LIST
  • APTUS CARE STARTS AT $125/MO
 
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what is aptuscare?

$125/MONTH ONGOING SUPPORT SERVICE

SECOND SET OF EYES FOR DIY INVESTORS

ANNUAL REVIEWS

QUICK RESPONSES TO QUESTIONS

NUDGES TO IMPLEMENT RECOMMENDATIONS

SUGGESTIONS ON NEXT BEST PLANNING ACTION

UPDATES ON TAX CHANGES AND BEST PRACTICES

REQUIRED FOR 12 MONTHS AFTER FULL PLAN & 4 MONTHS AFTER REVIEW

CAN CANCEL ANYTIME AFTER INITIAL PERIOD

 
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am i a good fit for aptus?

ARE YOU INTELLECTUALLY CURIOUS?

ARE YOU CONFIDENT BUT HUMBLE?

ARE YOU SKEPTICAL OF FINANCIAL ADVICE?

ARE YOU DILIGENT AND RESOURCEFUL?

ARE YOU SELF-RELIANT AND SELF-DISCIPLINED?

WOULD YOU LIKE GREATER FINANCIAL CONTROL?

DO YOU BELIEVE SIMPLE IS OFTEN BETTER THAN COMPLEX?

DO YOU LIKE SAVING MONEY?

 
 
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our investment strategy

we recommend an age-appropriate risk-neutral diversified portfolio of index funds that captures the broad market’s returns while minimizing fees and taxes.

 

DO ADVISOR feeS REALLY MATTER THAT MUCH?

A 40-YEAR OLD CLIENT STARTING WITH $500,000 AND SAVING $20,000 PER YEAR WOULD PAY A TOTAL OF NEARLY $300,000 IN FEES [!?!] OVER 25 YEARS TO AN ADVISOR CHARGING 1% OF ASSETS UNDER MANAGEMENT.
YES, FEES MATTER.

 
  • 300k
    250k
    200k
    150k
    100k
    50k
    0k
  • $29,163
    Year 5
  • $70,061
    Year 10
  • $125,236
    Year 15
  • $197,781
    Year 20
  • $291,459
    Year 25

Cumulative Avoided advisor Fees for DIY investors with aptuscare support

 
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Let’s Chat

If you're curious about Aptus, please use the form below to arrange a 15-minute introductory call. During that initial chat, you can tell us a little bit about what you hope to accomplish, we can tell you more about our planning options and we’ll see if there’s a good fit. No obligation. No pressure. No worries. We'll respond to you via email as quickly as we can.

 
 
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2 Van Circle, Suite 4 | Little Rock, AR 72207
501.907.1993

 
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