How Much Does Financial Planning Cost? (And Why It’s Worth Every Penny)
Understanding KLD Wealth’s Pricing—and the Value Behind It
Let’s be honest: pricing is one of the top questions people have when looking for a financial advisor—but it’s also one of the least straightforward things to find online. At KLD Wealth, we believe in clear communication and transparent pricing—because financial planning is about trust, not sales.
If you’re considering working with a planner, you deserve to know what you’ll pay, what you’ll get, and why it’s worth it. So, let’s break it down.
💬 Why Financial Planners Charge Fees (And Why That’s a Good Thing)
When you work with a planner, you're not paying for a folder or a PDF. You're paying for:
Experienced insight and advice that saves you time, stress, and money
Personalized strategies for retirement, taxes, investing, and more
A sounding board for big life decisions—from buying a home to funding college
Ongoing support from someone who knows your entire financial picture
And yes… peace of mind when the markets get noisy or life throws you a curveball
At KLD Wealth, we’re not trying to impress you with charts or industry lingo. We’re here to help you make decisions with confidence—and build a life that reflects your values.
✅ Why Fee-Only, Fiduciary Planning Matters
There are a lot of financial professionals out there—but most of them still earn commissions on what they sell. That creates a conflict of interest you’ll never have to worry about here.
At KLD Wealth, we are:
Fee-only – We’re paid only by our clients. We don’t sell products or earn commissions.
Fiduciaries – We are legally and ethically bound to put your interests first—always.
Transparent – You’ll know exactly what you’re paying and what you’re getting. No surprises.
💬 “We don’t work for Wall Street. We work for you.”
🎓 A Commitment to Education and Expertise
Anyone can call themselves a “financial advisor.” But real expertise matters—especially when your future is on the line.
At KLD Wealth, founder David Wiedmeyer is a CERTIFIED FINANCIAL PLANNER™ professional with:
A Bachelor’s in Finance from Miami University
A Master’s in Personal Financial Planning from Kansas State University
A Graduate Certificate in Financial Therapy
Ongoing education to stay ahead of tax law, retirement rules, and planning best practices
Why does this matter? Because your money is too important to trust to someone who isn’t committed to staying sharp.
Simple Pricing That Fits Real Life
Ongoing Financial Planning + Investment Management, Combined in One Clear Model
At KLD Wealth, we believe financial planning should be transparent, flexible, and tailored to your life—not your account balance. That’s why we combine a flat monthly fee for personalized financial planning with a scaled investment management fee, based on the assets we manage on your behalf.
📊 Our Pricing Model
$209/month for comprehensive financial planning
~1% AUM for investment management
(Actual rate may vary depending on complexity and total assets managed)
👥 Best For:
Gen X and Millennial individuals or couples who want ongoing, personalized financial guidance and professionally managed investment portfolios—all in one relationship.
✅ What’s Included:
Financial Planning Services:
📄 Values-based, personalized financial plan
📅 Quarterly review meetings + unlimited support
💸 Cash flow, savings, and debt optimization
🧾 Retirement income planning and projections
💬 Tax planning and Roth conversion strategies
🛡️ Insurance and estate planning guidance
🧠 Coordination with your CPA, attorney, and other professionals
🔒 Access to your secure online financial portal
Investment Management Services:
📈 Tax-efficient, low-cost portfolio management
🔁 Ongoing rebalancing and monitoring
💡 Investment reviews with clear, personalized recommendations
🧩 Strategies aligned with your goals, time horizon, and values
✳️ No commissions, no product sales, no hidden fees
🟢 No investment minimums. No pressure. Cancel anytime.
Just real advice, a long-term partnership, and support you can trust.
💡 What You’re Really Paying For
You’re not hiring a financial planner just for a net worth snapshot or a templated retirement calculator.
You’re investing in a partnership that helps you make smarter decisions, reduce uncertainty, and live with more clarity and confidence—year after year.
Here’s what that actually looks like at KLD Wealth:
🧠 Brainpower That’s Working for You Year-Round
Financial planning doesn’t stop after your initial meeting—and neither do we.
Behind the scenes, we’re constantly analyzing the tax landscape, retirement distribution rules, Roth conversion windows, legislative changes, and market conditions to make sure your plan stays sharp and optimized.
Whether it’s a new tax law, market volatility, or an opportunity to save thousands in taxes, we bring that insight to you proactively—so you don’t have to track every headline or decode complex financial lingo.
You’re paying for the confidence that someone is thinking about your finances even when you’re not.
🛠️ Modern Tools That Keep You in Control
Gone are the days of digging through statements or chasing down your numbers.
With our secure, easy-to-use client portal, you can log in anytime to see your:
Net worth
Account balances
Retirement projections
Tax-saving opportunities
Cash flow and savings goals
And because we integrate these tools with your planning process, you don’t just see numbers—you see how they’re working together to move you closer to your goals.
You’re paying for visibility—so you don’t have to wonder where you stand.
💬 A Human Voice in a Digital World
At KLD Wealth, we’re not a call center. You won’t get bounced around from “advisors” you’ve never met.
You’ll talk to David, your dedicated planner, every step of the way—someone who knows your family, your values, your long-term goals, and your quirks.
You’ll get:
Real conversations in plain English (no jargon)
Quick answers when questions come up out of the blue
Empathy, not judgment when life gets messy
Availability when you need to make a big decision and want a second opinion
You’re paying for personalized guidance from someone who’s in your corner—not someone trying to sell you a product.
🎯 Planning That’s Aligned With Your Values
Most firms build financial plans around numbers. We build them around you.
That means:
If giving generously is important to you, we’ll help you build that into your plan.
If faith, sustainability, or legacy matter to your family, your investments will reflect that.
If you’re dreaming of freedom from the 9-to-5, we’ll build a plan to help you get there.
This isn’t about spreadsheets—it’s about creating a life that feels aligned and intentional.
You’re paying for a plan that reflects what matters most—not just what the math says.
🧭 Not Sure Which Option is Right for You?
Let’s talk about your goals, your lifestyle, and what kind of support makes sense. We’ll explain everything clearly—and never push you into a decision.