Monthly Financial Planning/Coaching and Consulting

Financial planning requires a precise understanding of your unique situation, not a standardized formula. I work directly with you through detailed conversations to build a strategy specific to your goals, investment objectives, and current financial reality.

Our work together covers a wide range of practical disciplines. Depending on your needs, we address retirement planning, debt and cash flow management, wealth-building techniques, tax planning, and generational wealth transfer. I also provide clear, objective recommendations on risk management, insurance strategies, and portfolio structuring—including accommodating any specific restrictions you may have regarding certain types of securities.

It is important to understand my exact role as your advisor. I do not provide portfolio management services, hold assets under management, or participate in wrap fee programs. My sole focus is providing unbiased education and strategic advice so you can make informed financial decisions with complete confidence.

Investment Structure:

• $250.00 per hour (3-hour minimum)

• Note: Ongoing retainer options are available and often recommended for addressing multiple financial objectives efficiently.

Gain absolute clarity on your financial future with Wyrostek Financial and Business Coaching—schedule your initial consultation today to build a disciplined plan for your wealth.

Fees and Compensation 

Wyrostek will provide Financial Planning services for clients on either an hourly fee basis, or a fixed fee basis.

Hourly Fee 

Pursuant to a Financial Planning agreement signed by the client in advance, Wyrostek’s hourly fee will be billed at $250 per hour (minimum 3 hours) depending on the resources required to provide the contracted services. The hourly rate may be negotiated in advance at the discretion of Wyrostek. Wyrostek has a three-hour fee minimum for hourly clients. Hourly fee-based clients are billed on a monthly basis upon completion of work performed. However, estimated hourly charge will be required in advance.

Fixed Fees

Wyrostek will charge a fixed fee for comprehensive financial planning services of up to $20,000 per plan as contracted with client in advance based on the client’s net worth as follows: 

Net Worth up to…….$350,000………….$2000.

$350,001 up to…….$500,000………… $3500.

$500,001 up to……$1,000,000…………$5000.

For clients with net worth over $1 million, the fixed fee will range from $5,000 to $20,000 based on the complexity of the services required and as negotiated with the client. 

Fixed fees may be negotiated in advance based at the discretion of Wyrostek. Fixed fee-based clients are billed in advance and financial plans will be delivered in less than six months from signing of the agreement. Subsequent to the delivery of the financial plan, Wyrostek will provide additional financial planning services as needed at no additional cost for up to one year from the initial signing of the agreement. After the initial year, subsequent financial planning services will be negotiated under a separate agreement or if both parties agree, fee will just be renewed.