Rethinking Traditional Methods
Traditional financial planning often relies on the Assets Under Management (AUM) model, where fees are a percentage of your investments. This can lead to high costs without comprehensive support.
For example, an advisor charging 1% on a $750,000 portfolio collects $7,500 every year, and that fee grows as your portfolio grows, whether or not you get more advice. A flat fee stays the same whether you have $200,000 or $2 million.
Our Refreshing Approach
We offer a straightforward, flat-fee structure designed to save you money.
- Personalized Guidance: Meetings with a Certified Financial Planner (CFP®) who is also an IRS Enrolled Agent.
- Flat, Predictable Fees: A one-time plan or a simple monthly fee. Never a percentage of your assets.
- No Barriers: No minimum account sizes.
- Cost-Effective Investing: Advice on low-cost index funds.
- Comprehensive Support: Investment, retirement planning, and tax planning.
Two Ways to Work Together
One-Time Plan. A comprehensive written financial plan built over 8 weeks and three virtual meetings, covering retirement, investments, taxes, insurance, estate, education, and benefits. You implement it on your own.
Ongoing Plan. A long-term planning relationship with quarterly meetings, an online plan that stays current, and an annual tax planning review. Many clients start with the One-Time Plan and continue here.
Just have one question? You can book a one-hour session through Nectarine, my partner platform.
Why Choose Us?
Chris Reddick Financial Planning (CRFP) is a fee-only financial planner based in San Antonio, Texas, serving clients locally and virtually nationwide. We specialize in public service professionals and educators. Here's how we stand out:
- Specialized Expertise: In-depth knowledge of TRS, TCDRS, FERS and TSP, 403(b) and 457(b) plans, and other public pensions and benefits.
- Fee-Only, Advice-Only Model: No commissions, no product sales—just fiduciary advice.
- Tax Expertise Built In: As an Enrolled Agent, Chris plans around taxes directly instead of referring you elsewhere.
- Educational Approach: We empower clients with financial literacy to make informed decisions.
Ready to See if We're a Good Fit?
Book a free 30-minute call to talk through your goals.
