Financial (and Estate) Planning services are billed on an hourly fee basis. The hourly rate is $250 per hour; billed in 15-minute increments. (This rate is reduced for customers using our Portfolio Management services as shown on the Discount page). Typically, the Firm will provide an estimate of the time required; significant revisions to that estimate will be brought to the client’s attention as soon as possible to prevent unexpected bills. Short phone calls, follow up questions and emails with clarifications are typically not charged an hourly fee. More complex questions, however, that were not contemplated during the original engagement and that will require additional work will only be undertaken after an additional estimate and affirmative instructions from the Client. The Firm does not require a deposit to initiate financial planning engagements; the entire fee is due upon delivery of the invoice. Invoices are typically issued either at the presentation of the plan (or delivery of a document containing the plan or work product). For longer engagements, invoices will be issued on a quarterly basis (in arrears). All fees are negotiable in advance, and for certain projects the Firm may undertake to complete work on a “not-to-exceed” hourly fee basis. Discounts are also available for certain customers as described in the Discounts page. See Form ADV2 for more.