Aptus specializes in helping do-it-yourself investors by providing financial planning and ongoing support services for low, flat fees. Aptus has designed hundreds of financial plans for clients across the United States with meetings conducted primarily via videoconferencing. Our clients are intellectually curious, confident but humble, somewhat skeptical, diligent, resourceful, self-reliant and self-disciplined. Or just excited to more fully develop these qualities. Many of our clients are physicians, but our work spans a range of incomes, ages and occupations. We’d love to help you.


Typical Financial Planning engagements

Comprehensive Financial Plan ($3,000 plus a minimum of 12 months of AptusCare ongoing planning support)
Aptus’ comprehensive financial planning process includes two meetings, typically via videoconference, over 3-5 weeks. The first meeting focuses on cash flow management and the second meeting focuses on contingency planning and investment strategy. The client is tasked with gathering information and implementing the plan, but Aptus provides to-do lists, guidance and support. At the end of the process, the client receives a written report that serves as a blueprint for achieving financial independence.

Financial Review for Long-term DIYers ($1,000 plus a minimum of 4 months of AptusCare ongoing planning support) 
Some of our clients are already successful, long-term DIY planners and investors, but would like an objective, independent review of their cash flow management, contingency planning and investment strategy. In these cases, Aptus can conduct a relatively limited financial review. The process includes a 1-hour meeting as well as planning work before and after the meeting.

AptusCare ($125 per month)
Our AptusCare ongoing planning support service facilitates ongoing financial dialogue with our DIY clients to help them stay on track to achieve their financial goals. AptusCare is only available to clients who have completed a comprehensive financial plan or DIY financial review. AptusCare emphasizes continuous optimization as our clients’ planning needs, situations and environments evolve. AptusCare includes:

  • Periodic—typically annual—financial check-ups via videoconference or in person.

  • Detailed, thoughtful responses to client questions via emails or phone calls.

  • Aptus nudges toward fully implementing our planning recommendations.

  • Aptus suggestions on the next best financial planning action.

  • Aptus updates on tax changes and best practices that may impact your financial plan.

Consultation Meetings (~1 hour, ~$250)
We occasionally meet with clients on an hourly-rate basis to answer specific questions or to focus on specific, limited-scope projects. For instance, we help design, optimize and implement cash flow systems (household budgets) for individuals and families. We even meet with clients who don't really know what they want to discuss, but just need a little help organizing their financial lives.

Typical Employer Retirement Plan Engagement

Retirement Plan Advisor, Fiduciary and Educator (tailored flat fee)
Aptus' simple, fair flat fees also apply to our unique and innovative retirement plans, for which we serve as advisor, 3(38) fiduciary and financial wellness educator. We work with plan sponsors to craft a tailored pricing agreement that reflects our anticipated hours of service on the plan. Aptus' low, transparent flat-fee pricing is typically applied pro rata based on employee account balances, and should become a smaller percentage of assets over time.

Financial Wellness Program Coordinator (tailored flat fee)
Aptus can design and run financial wellness programs for companies even when not serving as the retirement plan advisor. Our experienced, conflict-free financial planners can host group wellness seminars and provide individual financial counseling to employees, helping to boost retirement and emergency savings, demystify HSAs and ultimately improve overall health, job satisfaction and productivity. 


Why should You spend $3,000+ on a financial plan?

Our clients typically fall into one of two categories: mid- to late-career professionals who currently have assets managed by a financial adviser and early-career professionals who do not yet have a relationship with a financial adviser:

Mid- to Late-Career
For mid- to late-career professionals with assets currently managed by financial advisers the math is clear. With a typical fee of 1% of assets under management, a household with $500,000 in assets with a financial advisor pays $5,000 in recurring annual fees and the fees grow over time. Over 25 years, a mid-career professional with $500,000 in assets under management and saving $10,000 per year would pay $250,000 in cumulative fees! We want you to keep that money for yourself, and our typical $3,000 financial planning fee and ongoing $125 per month support service sets you up for a lifetime of do-it-yourself investing.

Can you really learn to do-it-yourself? Absolutely. We can teach you. We will sit with you and take you step-by-step through the process of buying and selling mutual funds and exchange traded funds with the asset allocations and the tax advantaged accounts that make sense for you. Give someone a fish and you feed them for a day. Teach someone to fish and you feed them for a lifetime.

For early-career professionals, the best time for a financial plan is at the beginning of your career when you can set the course for a lifetime of smart financial decisions. We can help early-career professionals think about household budgeting, tax issues, student loans, mortgages, healthcare costs, college savings and DIY investing. We help you take advantage of opportunities and avoid pitfalls. There’s an old saying that diagnosis without examination is malpractice, and we believe that investing without comprehensive financial planning is equally ill-advised.

We address a range of financial topics that traditional financial advisers cannot or will not discuss with you. In fact, most traditional financial advisers will not even accept clients without assets. If you do find a financial adviser that will talk to you, their incentive is to steer your savings into accounts they manage rather than advise you, as we would, on other prudent uses of your cash flow like student loan repayment or investing in company sponsored 401(k)s or 403(b)s.