Transparent Fees. No Surprises.
There is a one-time $250 fee that covers your onboarding and financial plan implementation. After that, ongoing planning starts at $75/month. For investment management, a 1.00–1.50% annual AUM fee applies. The monthly fee is waived once you reach $100,000 in managed assets.
What You Pay
Fees are disclosed upfront, in writing, before you commit to anything. No surprises at billing time.
Onboarding Fee
$250
A one-time flat fee covering your discovery session, financial plan build-out, implementation setup, and client portal onboarding.
Monthly Planning Fee
$75–$125/mo
Based on your income and the complexity of your situation. Covers your full financial plan, semi-annual reviews, unlimited check-ins, and ongoing tax strategy coordination.
* Waived for clients with $100,000+ in assets under management.
Investment Management Fee
1.00–1.50% AUM
An annual fee based on assets under management, billed quarterly. Applies if we manage your investments. No hidden trading costs.
Complete Fee Schedule
| Fee | Amount |
|---|---|
| Onboarding Fee | $250 |
| Young Professionals | $75/mo |
| Mid-Career & Families | $100/mo |
| Business Owners | $125/mo |
| Investment Management | 1.00–1.50% AUM |
The monthly fee is based on your income and the complexity of your situation. It is waived for clients with $100,000 or more in assets under management.
What Fee-Only Actually Means
The majority of financial advisors earn commissions when they sell you products: insurance policies, annuities, specific mutual funds. That creates a built-in conflict of interest between what's best for them and what's best for you.
A fee-only advisor is compensated exclusively by client fees. No commissions. No referral payments. No product sales. When you pay us, that's the only way we earn money, which means our interests are always aligned with yours.
Chris is a fiduciary, which means he's legally required to act in your interest. That's the standard Villaire Financial is registered under with the SEC.
One Plan. Your Entire Financial Life.
This isn't portfolio management with a nice conversation attached. It's comprehensive financial planning across every area that affects your wealth.
Comprehensive Financial Plan
A written plan covering investments, taxes, budget, retirement, and life goals, built around your actual numbers.
Investment Portfolio Management
Ongoing management of your accounts, rebalancing, and asset allocation aligned with your goals and risk tolerance.
Year-Round Tax Planning
Proactive tax strategy throughout the year, not just at filing time. Roth conversions, tax-loss harvesting, HSA optimization, and more.
Budget and Cash Flow System
A practical system that automates your money so you hit savings goals without having to think about it every month.
Retirement Planning
Projections and account strategy built for where you want to be, not just where you are now.
Life Event Planning
Proactive guidance when things change: marriage, home purchase, job change, starting a business, or having a child.
Semi-Annual Reviews
Formal check-ins at least twice per year, with ongoing access between meetings whenever you need it.
Secure Client Portal
All your accounts, documents, goals, and plan in one place. Accessible anytime from any device.
Fiduciary vs. Traditional Financial Advisors
Not all financial advisors are held to the same legal standard. Here's how a fiduciary advisor compares to the other options you might be considering.
| What to Look For | Villaire Financial Fiduciary · Fee-Only | Large Brokerage (e.g. Merrill, Edward Jones) | Big Advisory Firms (e.g. Fidelity, Vanguard) | Robo-Advisor (Betterment, etc.) |
|---|---|---|---|---|
| Fiduciary (legally required to act in your interest) | ✓ | Varies | Varies | N/A |
| Fee-only (no commissions on products) | ✓ | ✗ | Varies | ✓ |
| Works with clients under $250K in assets | ✓ | Sometimes | ✗ | ✓ |
| Dedicated advisor who knows your full picture | ✓ | Sometimes | ✗ | ✗ |
| Comprehensive financial planning (not just investments) | ✓ | Limited | Limited | ✗ |
| Year-round tax strategy coordination | ✓ | Rarely | Rarely | ✗ |
| Proactive outreach when things change | ✓ | Varies | ✗ | ✗ |
| Transparent, flat-fee pricing | ✓ | ✗ | Varies | ✓ |
Generalizations based on common industry structures. Individual firms may vary. "Your parents' financial advisor" at a traditional broker-dealer typically operates on a commission or suitability standard, not a fiduciary one.
What clients say about working with Chris
"I can't say enough good things about Chris! He makes everything easy to understand and always takes the time to answer my questions without making me feel overwhelmed. He's helped me plan for my retirement, prepare financially for grad school, and improved my overall budgeting, so I feel much more confident about my future."
"I couldn't be more grateful for Villaire Financial and the support I feel with Chris as my advisor. I feel far more confident about my finances than I did on my own. Chris takes the time to understand you and your situation, then helps you build out a system to ensure you're on track to meet your financial goals."
"Chris has been such a huge help to my husband and I. Since getting married two years ago, he has helped us create clear financial plans, stay on top of our money, and set up funds that actually make us feel confident about our future. He is incredibly knowledgeable and organized, but what we appreciate most is how genuine, honest, and trustworthy he is."
Testimonials from current clients of Villaire Financial, LLC. No compensation was provided for these reviews. Individual experiences and results will vary.
* Projections are hypothetical and based on stated assumptions. Actual results will vary.
You Don't Need $250,000 to Get a Real Financial Plan.
Most wealth management firms won't work with you until you've already built significant assets. That's backwards. The decisions you make in your 20s and 30s about savings rate, tax strategy, debt, and investing have a larger impact on your long-term wealth than most decisions you'll make later.
Villaire Financial was built specifically to serve young professionals who are making good money and making important financial decisions, but haven't yet accumulated the kind of assets the big firms require.
No minimums. No gatekeeping. Just an honest conversation about whether we're a good fit.
Book a Free Intro CallFee Questions, Answered
Are there any fees beyond what you list here?
No. There are no hidden fees, referral payments, or commissions of any kind. The fees described here are all you pay. ETF expense ratios within your portfolio are disclosed separately. These are standard fund-level costs, not advisor compensation.
Do you charge a percentage of my assets?
If we manage your investments, a 1.00–1.50% annual fee applies to managed assets, billed quarterly and disclosed clearly before you begin. For clients who want financial planning without investment management, only the monthly flat fee applies.
Is the monthly planning fee ever waived?
Yes. The monthly planning fee is waived for clients with $100,000 or more in assets under management with Villaire Financial. At that level, the investment management fee covers the ongoing planning relationship.
What if I only want investment management, not a full financial plan?
We don't offer investment management as a standalone service. Managing a portfolio without understanding your full financial picture (taxes, cash flow, debt, retirement timeline) leads to worse outcomes. Our approach is always comprehensive.
Can I see the fee details in writing before signing anything?
Yes. All fees are disclosed in writing in your advisory agreement and in our Form ADV Part 2, which is available on this site. You'll have everything in writing before you're asked to commit to anything.
Talk Through the Numbers on Your Free Intro Call
The intro call is free, 30 minutes, and there's no obligation. We'll talk through your situation, give you an honest read on fit, and go over fees so everything is clear before you decide.