Houston & The Woodlands, TX — Serving Clients Nationwide

Comprehensive Financial Planning for a Flat Fee

Comprehensive, fee-only financial planning for retirees and pre-retirees who want tax-efficient advice for a flat fee. No commissions, No product sales, and advice designed around your financial life.

Fee-Only Financial Planning

Advice designed around one priority — what's best for you.

As a fee-only fiduciary, we are paid directly by our clients, not through commissions on investment or insurance products. That means our advice is designed around one priority: what is best for you. We take time to understand what matters most, simplify complex financial decisions, and help you move forward with clarity, confidence, and a trusted partner for the road ahead.

How We Get Paid

Our Flat Fees, Published in Plain Text

Tiverton Wealth charges flat-dollar fees, not a percentage of your assets. You pay us directly, and we receive no commissions. Here is exactly what we charge, what it covers, and how it is billed.

Initial Planning Engagement

$500 to $10,000, one time Set in writing before work begins, based on the complexity of your situation.

What it covers: the first four months of planning work under any of our subscription options, including gathering your information, analyzing your situation, and building your financial plan.

Waiver: the initial planning fee may be waived for clients who choose to begin directly with an ongoing subscription for long-term, comprehensive service.

How it is billed: billed as a flat fee under your written advisory agreement.

Ongoing Subscription

$0 to $1,250 per month $0 to $15,000 per year, based on the complexity of your situation.

Most clients pay one of these four subscription levels.
Monthly fee	Annual equivalent
$200 per month	$2,400 per year
$500 per month	$6,000 per year
$750 per month	$9,000 per year
$900 per month	$10,800 per year

How it is billed: a flat monthly fee under your written advisory agreement. Your fee is a fixed dollar amount and does not rise or fall with your account balances.

What the ongoing subscription covers

Ongoing financial planning across income, insurance, tax, investments, retirement, and estate planning
Investment management of your accounts held at Charles Schwab
Year-round tax planning, including Roth conversion analysis and an annual year-end review meeting
Annual income tax return preparation for eligible clients, provided by Tiverton Tax, LLC, a separate affiliated business, under its own engagement agreement

Your exact fee is agreed to in writing before any work begins. Fees shown are the ranges and common subscription levels we currently charge; the four monthly levels above are the most common amounts clients pay, not averages or guarantees of what your fee will be. See the Tiverton Tax disclosure below for how tax services are paid for.

See How We Get Paid

Visit tivertontax.com →

Tax & Wealth, Working Together

Where Wealth Management and Tax Planning Meet

At Tiverton Wealth, we believe investment management, retirement planning, and tax planning should work together. That is why our financial planning process is designed to coordinate your investments, retirement income, and long-term tax strategy rather than treating each area separately.

Through our relationship with Tiverton Tax, eligible Tiverton Wealth clients can receive ongoing tax planning and annual tax return preparation as part of their broader financial planning relationship. This allows us to coordinate decisions around retirement income, Roth conversions, charitable giving, investment taxes, Medicare premiums, estate planning, and other tax-sensitive strategies throughout the year.

While Tiverton Wealth and Tiverton Tax are separate businesses, they work together to help provide clients with a more coordinated financial and tax planning experience.

Tiverton Tax, LLC is a separate legal entity affiliated with Tiverton Wealth, LLC through common ownership. Tax preparation and tax-related services are provided exclusively through Tiverton Tax, LLC under a separate engagement agreement. Clients are not required to use Tiverton Tax and may use any tax professional of their choosing. For clients whose Tiverton Wealth engagement includes tax services, no separate fee is charged by Tiverton Tax; however, for clients who pay an advisory fee to Tiverton Wealth, those tax services are paid for indirectly through that fee.

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