How much does this advice cost?

Fees are based on time and complexity required to address the issues. You pay nothing until you receive and approve a written proposal. This proposal is not an estimate. Fees will never change without your consent.

The Open Heart Financial, LLC fee schedule is as follows:

- Review of Initial Questionnaires and other Data Gathered - Free

- Get Acquainted Financial Discussion - First 30 minutes - Free

- Clients may choose their fee schedule based on the flat fixed fees listed below, or may engage OHF based on their published hourly rate of $150 per hour: OHF will also quote a fixed fee for other services to help you control your costs. Meetings can be conducted face-to-face, via e-mail, or via phone. Our goal is to maximize flexibility to serve you and meet your needs.

BASIC FEE STRUCTURE
Second opinions (w/ minor research)	$40
401(K) Review with Allocation Recommendations	$150
Mortgage Refinance Analysis & Recommendations	$150
College Planning Analysis & Recommendations	$150
Any two of the above	$225
All three of the above	$300
Disability Income Insurance Analysis w/ Recommendation	$30
Liability/Umbrella Analysis w/ Recommendation	$30
Long Term Care Analysis w/ Recommendation	$60
Life Insurance Analysis w/ Recommendation	$60
Basic Insurance review with all the above	$125
Basic Preliminary Estate Plan w/ Recommendations	$100
Portfolio Review & Asset Allocation Plan w/ Recommendations	$300
Both of the above	$350

FIXED SESSIONS
Beginning Investors, Getting Started and Strategies (60-75 minutes). Good for any age; makes especially nice wedding present	$150
First Time Home Buyer Strategy, Lessons & Suggestions (60-75 minutes) Recommended session before selecting Realtor or writing contract.	$150
The Quick Financial “Check-Up”. (90 – 120 minutes) The "Check-Up" session will include a very brief evaluation of client’s plans for retirement, investing, tax efficiency, risk protection, debt elimination, long-term care and estate considerations. OHF will then make one of three possible suggestions within these areas: 1) Stay the course 2) Consider as a possible idea doing or changing X, Y, and/or Z 3) Strongly recommend the implementation of X,Y, and/or Z - OHF pledges its best efforts, within the constraints and limitations of time, to address client concerns brought up during the "Check-Up" , and to do so within the scope of achieving all the above stated session goals. - For those interested in the above “fixed sessions”, but affordability is the stumbling block, ask OHF for a more abbreviated Wealth Building, Home Buying, and/or “Check-Up” session(s). OHF will try to schedule an appointment with enough time to offer you the information of greatest value and importance.	$225
Day Rate - Hire the Certified Financial Planner for the entire day - Individual and/or group discussions regarding importance of maximizing employee benefits, such as company 401K program. - Makes great employee benefit. - Works especially well on a semi-annual basis. - Individual employee "Triage" sessions could be a catalyst for yielding big results for the employee. Implementation of recommendations should help improve their financial health and net worth significantly within 6 - 12 months.	$850 plus out-of-town travel expenses
Comprehensive Financial Plan and Implementation - Includes multiple sessions with client and coordination with other client advisors.   - Up to $500 thousand in net worth. - Up to 1 million in net worth - Up to 2 million in net worth - Up to 3 million in net worth - Above 3 million in net worth	$2,000 $3,000 $4,000 $4,500 case-by-case