Pricing + Process
Pricing Overview
At Wise Women Prosper, we believe how we’re paid should reflect our values: transparency, integrity, and your financial well-being.
Our pricing model is built for women like you—women who’ve worked hard, saved wisely, and are ready to turn their life savings into a future of peace, purpose, and possibility.
Whether you’re looking for full-service financial management or a one-time strategic plan, we offer fee options designed to support your goals.
Compare Your Options
|
Plan & Protect One-Time Planning Engagement |
Partner & Prosper Comprehensive Wealth Management |
Steward & Sustain Complex Financial Planning |
|
|---|---|---|---|
| Who It’s For | Women seeking clarity without ongoing support | Women with $600K+ in investments who want full-service financial guidance and partnership | Women with real estate holdings, business interests, or multi-generational wealth and estate planning needs |
| Fee Structure | Flat, one-time fee | Tiered % of assets under management*; includes investment advice and ongoing planning | Custom fixed fee starting at $8,000 for one-time planning; optional ongoing fees apply for continued support |
| Typical Fee Range | Starting at $3,000 | $6,000 – $20,000/year depending on portfolio size | Starting at $8,000 (one-time); additional annual fees apply if ongoing support is desired |
| What’s Included |
✔ One-time retirement income plan ✔ Tax-efficient withdrawal analysis ✔ Social Security claiming strategy 🚫 Ongoing implementation not included |
✔ Investment management ✔ Tax-efficient withdrawal strategy ✔ Social Security & Medicare planning ✔ Retirement income planning ✔ 2–3 in-depth review meetings per year ✔ Ongoing phone and email access to our team for questions or life changes |
✔ One-time analysis of complex financial structures ✔ Real estate income strategies ✔ Business transition planning ✔ Multi-generational wealth design |
| Ongoing Support | 🚫 No | Yes — includes proactive annual planning, real-time support, and strategic adjustments as your life evolves | Optional: Clients may elect one-time planning only. If ongoing support is desired, AUM fees apply for investment management plus an annual planning fee for complex elements (e.g., business or property reviews) |
| Ideal For | DIY investors or those working with another firm | Delegators seeking a trusted partner to guide their retirement decisions and stay involved long-term | Clients with dynamic or layered financial lives seeking deep strategic planning or estate coordination |
| Extras | Can be applied toward AUM if you become a full-service client later | Order of withdrawal strategy and tax guidance are included; no additional fees unless planning becomes significantly more complex | All fees are quoted in advance. Ongoing support is available only through an AUM + planning relationship |
Comprehensive Wealth Management Fee Schedule
We believe in clarity and fairness when it comes to how we’re compensated. That’s why we use a tiered flat-fee model—so you know exactly what you’re paying for our guidance, and there are no surprises.
Your annual fee is based on the total value of your invested assets that we manage, and it includes full-service financial planning, investment management, retirement income strategy, and proactive tax coordination.
Annual Fee Structure
| On assets up to $1,000,000 | On assets between $1,000,001 and $2,000,000 | On assets over $2,000,000 |
|---|---|---|
(Example: $1,000,000 = $10,000 annual fee) | (Example: $1,500,000 = $13,750 annual fee) | (Example: $2,700,000 = $20,300 — but we cap fees at $20,000) |
Minimum Annual Fee: $6,000
Maximum Annual Fee: $20,000
Once your fee reaches $20,000, it stays there—no matter how much your portfolio grows. That’s part of our commitment to fair, sustainable pricing.
Fees are calculated on an annual basis and billed quarterly based on your unique billing cycle.
As part of our ongoing relationship, we meet with you up to three times per year to review your plan, make any necessary adjustments, and ensure your strategy continues to align with your goals. If any updates to your fee are warranted, we’ll discuss them transparently during one of these review meetings so there are no surprises.
Fee adjustments may occur if your financial situation becomes more complex—such as adding new accounts, incorporating real estate or business planning, or expanding the scope of services we provide. We believe in proactive communication and will always walk you through any changes before they take effect.
Annuities & Life Insurance
In certain cases, we may recommend annuities or life insurance as part of your retirement income strategy. When we do, we may receive a one-time commission paid directly by the insurance company. We will always disclose when and how we’re compensated, so you can make fully informed decisions.
Even when a commission is involved, our guidance remains rooted in the fiduciary standard of care—putting your best interest first, without exception. These products are not billed under our AUM structure, and there are no ongoing fees charged by us. If we’re managing your portfolio, we’ll continue to guide you on how these tools fit into your broader income and planning strategy—with full transparency and integrity.
Which Path Feels Like You?
To help you picture the right fit, here are three real-life scenarios that reflect each of our planning models:
Plan & Protect | One-Time Planning Engagement
Meet Susan, 62
Susan is about to retire after a long, fulfilling teaching career. She has a modest pension and a $700,000 403(b), and while her husband has his own advisor, Susan wants a financial plan that’s just for her.
She’s seeking guidance on when to claim Social Security, how to structure her withdrawals to minimize taxes, and whether she can afford to help her daughter through graduate school without compromising her own retirement.
✔ Susan pays a one-time planning fee of $3,000
✔ She receives a personalized retirement income plan, Social Security analysis, and tax-smart withdrawal strategy
✔ Susan continues to manage her investments on her own, but now she does it with clarity and confidence
Partner & Prosper | Comprehensive Wealth Management
Meet Carla & James, early 60s
They’ve worked hard, raised a family, and saved well—about $1.9 million in IRAs and brokerage accounts. But now, as they prepare for retirement, the questions are piling up: What’s the right asset mix? When should they claim Social Security? How do they turn savings into income without running out too soon—or paying more in taxes than necessary?
They’re ready to delegate the heavy lifting and partner with a team that will guide them year after year.
✔ With $1.9M in assets, their annual flat fee is $16,750, calculated as:
$10,000 + 0.75% of the amount over $1M
✔ They receive:
– Personalized portfolio management
– Ongoing tax coordination and RMD guidance
– 2–3 strategy meetings per year
– A clear withdrawal strategy to reduce tax burden and increase peace of mind
Steward & Sustain | Complex Financial Planning
Meet Marisol, 68
Marisol is a retired entrepreneur with several rental properties and a thriving small business. But she’s ready to simplify. She wants to sell her rentals, transition out of her business, and create steady, tax-efficient income without the headaches of property management.
She also wants to update her estate plan and ensure her wealth supports both her lifestyle and her legacy goals.
✔ Marisol pays a one-time flat fee of $8,000 for a detailed transition and retirement income plan
✔ Her plan includes real estate exit strategies, capital gains tax mitigation, Roth conversion analysis, and charitable giving considerations
✔ At Marisol’s request, we introduce her to one of our trusted estate planning attorney partners and accompany her to the first meetings to ensure she feels supported every step of the way.
✔ Later, she chooses to engage us for ongoing planning and investment management under our capped AUM fee model
Your First Appointment Is Just for You
We offer your first appointment at no cost because we believe in starting with connection, not commitment. It’s a chance for you to share your story, ask anything that’s on your heart, and see if this partnership feels aligned with where you’re headed. There’s no pressure, no pitch—just clarity and conversation.
If you choose to move forward, we’ll walk you through the fees involved before any work begins. You deserve to make confident financial decisions—with all the facts and none of the guesswork.
Our Process
At Wise Women Prosper, we are dedicated to your financial empowerment and success. When you partner with us, you can expect personalized financial strategies uniquely tailored to your life’s goals. We understand the challenges women face, from career breaks for caregiving to navigating life changes like divorce. With Wise Women Prosper, you have a trusted advisor by your side every step of the way, committed to helping you protect your family, grow your wealth, and achieve lasting financial security.
First Meeting – Discovery & Vision
In our first meeting, we’ll explore what truly matters to you. By delving into your core values and personal goals, we’ll create a clear picture of your ideal future. By the end, you’ll leave feeling inspired and empowered, ready to use your financial resources to start shaping your dream life.
Second Meeting – Get Organized
Before we meet, please gather your current financial information and share it through our secure link. This step helps us understand your starting point. Together, we’ll review your assets, liabilities, income, and expenses, and identify any potential obstacles. We’ll then set up a cash flow plan that aligns with your values and goals.
Third Meeting – Strategy Session
With a complete view of your financial picture, we’ll explore various strategies to help you achieve your goals. During this session, we’ll address your key financial questions, discuss risk management, and consider different planning options. After reviewing the plan together, we’ll listen closely to your feedback and make any necessary adjustments. If needed, we’ll schedule additional sessions to ensure everything is just right. There’s no rush – we want to make sure the plan fits perfectly with your vision.
Fourth Meeting – Implementation and Welcome to the Family!
We’ll present a tailored financial plan and outline the steps to put it into action. We’ll discuss investment principles, your risk tolerance, and how to align your funds with your goals. You’ll be ready to start implementing these strategies and moving towards a fulfilling future.
Final Working Meetings – As Needed
After setting your plan in motion, we’ll check in periodically to review your progress and address any questions or concerns. We’re here to support you and will schedule additional meetings as needed to ensure you stay on track and achieve your financial goals.
Trimester Meetings
Building on the foundation we established in the first year, we move into an ongoing planning phase with three meetings each year. This schedule allows us to monitor and adjust the details of your financial strategy as your life and priorities evolve. By meeting regularly, we deepen our understanding of your needs and ensure that your financial resources are aligned with what matters most to you.
Throughout the year, we’ll also proactively review important planning and investment details through email to keep everything on track and address any changes.
As-Needed Meetings
If something’s on your mind or you need guidance, we’re here for you. Whether it’s a major life change or a small question, you can always reach out via email. We can set up additional discussions or meetings as needed to thoroughly address any concerns and keep your financial plan on course.
