Flat-Fee Financial Planning for People Who Are Done Paying a Percentage of Everything They've Saved
No 1% fees. No commissions. No conflicts of interest. Just straightforward planning from a CFP and Enrolled Agent in northern New Jersey.
Book a Free 20-Minute CallWho This Is For
You might be in one of these situations:
You have over $1 million saved and you're starting to do the math on what 1% a year is actually costing you. You want more than just someone managing your investments. You want a plan.
You're a high earner who hasn't hit a million yet but has real questions. Should you buy or rent? What do you do with your HSA? How should you be thinking about life insurance? Every AUM advisor has passed on you because the assets aren't there yet. That shouldn't mean you can't get good advice.
You have money in more places than just investment accounts. Real estate, insurance policies, a business. You want someone who will look at the whole picture and give you unbiased advice, not just hunt your investable assets.
If any of that sounds like you, you're in the right place.
The Problem With the Traditional Model
Most financial advisors charge 1% of everything you have invested. On $1 million that's $10,000 a year. On $2 million that's $20,000. Every year. Whether markets go up or down. Whether you needed a lot of help that year or almost none.
That fee structure creates a conflict. Your advisor gets paid more when your balance grows, which means their incentive is to keep your money invested with them, not necessarily to give you the advice that's actually best for you.
A flat fee changes that completely. You pay for advice. I get paid to give you the best advice possible, full stop.
What Makes This Different
No sales metrics. No annuity quotas. No whole life insurance targets. No corporate structure pushing product.
I'm a CFP and an Enrolled Agent, which means I can see your full financial picture including your taxes, not just your investments. Most advisors hand you off to your CPA and never talk to each other. I connect the dots.
Most clients pay between $250 and $750 per month. You know what you're paying before you commit to anything.
How It Works
Step 1: 20-Minute Discovery Call
A quick conversation to understand your situation and whether this is a good fit. No pressure, no pitch.
Step 2: Deep Planning Meeting
We go through your full picture. Taxes, investments, retirement timing, cash flow, insurance, estate. You leave with clarity on what actually matters for your situation.
Step 3: Your Plan and Ongoing Support
Clear recommendations, a written plan, and a long-term partner who keeps you on track as life changes. All for a flat monthly fee.
What Clients Say
Client reviews load here.
About Cliff
I'm Cliff Brockmann, a CFP and Enrolled Agent based in northern New Jersey. I spent nearly a decade at traditional firms watching disciplined people get overcharged simply because they followed the right advice and built real wealth.
I've seen clients sitting in annuities and whole life insurance policies they didn't understand, sold to them by advisors who had quotas to hit. I've seen people paying $15,000 a year in fees and not knowing what they were getting for it. I started High Touch Financial Planning because there's a better way.
My clients aren't just numbers. They're people trying to make smart decisions with what they've worked hard to build.
Flat-fee financial planning for people who want straight answers.
No pressure. Just a 20-minute conversation to see if this makes sense for you.
Book Your Free Call