Our Fees & Services
We provide tech professionals with tailored equity compensation strategies, comprehensive financial planning, and expert investment management.
How a Flat Fee Compares to AUM
With a percentage-of-assets fee structure, the cost goes up as your assets grow—even though the level of service stays the same.
In my professional experience, managing a $1,000,000 portfolio doesn’t take twice the work of managing $500,000. So, why should the fee double?
How does a 1% fee impact your portfolio over time? And what are the cumulative advisor fees?
Percentage-based fees can really add up over time, leaving you paying a lot more and potentially holding back the growth of your portfolio compared to a flat fee setup.
*Hypothetical growth rate is for illustration purposes only and does not represent the investment performance of any specific security or portfolio. Assumptions: Growth rate of 8% before fees. Fund expenses are deducted at year end. DFA World Equity ETF 0.25% net expense ratio as of 5/31/25. Advisor fees are deducted after fund expenses. Asset based fee schedule from 2022 DFA Benchmark Survey. $7,200 annual flat fee. No inflation adjustment.
Why a Flat Fee in Just Under 60 Seconds
This quick 60-second video makes it easy to understand the difference between percentage-based (AUM) and flat fees—and how choosing the right one will help your investments grow faster and save you more over the long haul!
Keep Everything Right on Track
Clients get ongoing access to RightCapital, an interactive portal for tracking net worth, investments, cash flow, and more. It features account aggregation, unlimited scenario analysis, and a secure vault for organizing and sharing documents.
Our Partners
We manage investments held at Charles Schwab using a passive, evidence-based strategy. We focus on low-cost, diversified funds like Vanguard and Dimensional.
What We Cover & What You Can Expect
Ongoing clients meet twice a year to review progress, plan ahead, and adjust as needed. We can meet in-person (Austin area) or virtually. Financial planning is a continuous journey, not a one-time event! Plus, you’ll have unlimited access to TwoTen by Zoom, phone, or email anytime.
Equity Compensation Planning
At TwoTen Planning, we specialize in helping tech professionals navigate the complexities of equity compensation.
We guide you through managing stock options, RSUs, and other deferred compensation to maximize the value of your equity while minimizing tax burdens. Our tailored approach covers key areas like vesting schedules, tax-efficient stock option exercises, and diversification strategies. We also provide expertise in ESPPs, Mega Backdoor Roths, and Nonqualified Deferred Compensation plans, ensuring your equity aligns with your broader financial goals.
With comprehensive tax modeling, risk management, and liquidity planning, we help you make informed decisions that support long-term financial security.
Financial Planning
At TwoTen Planning, we provide customized financial planning designed for tech and equity compensated professionals, helping you achieve financial clarity and confidence.
Our services cover key areas such as cash flow and tax planning, estate and insurance planning, and debt and education strategies. We create personalized plans that address your income, expenses, and savings while reducing your tax burden, protecting your legacy, and managing risks.
Whether it's navigating equity compensation, maximizing charitable impact, or aligning your financial plan with your life’s purpose, we ensure that every decision moves you closer to your most important goals.
Investment Management
At TwoTen Planning, our investment strategies are grounded in evidence-based investing, designed to help tech professionals grow and preserve wealth.
We focus on building diversified portfolios aligned with your financial goals through strategic asset placement and regular rebalancing. Our approach includes tax-efficient strategies such as tax-loss harvesting to minimize liabilities and optimize returns. We also assess your risk tolerance to ensure your investments match your comfort level, and develop a personalized Investment Policy Statement to guide your long-term strategy.
With a focus on disciplined, research-driven investing, we help you stay on track to meet your financial objectives.
Pricing Tailored to Tech Professionals.
Our Individual, Family, and Beta plans provide customized, fiduciary-backed financial advice for every stage of life. Because we’re fee-only and only paid by you, you can trust that our recommendations are in your best interest and always centered on achieving your unique goals.
Our services are provided for a flat annual fee (billed monthly/quarterly).
Fees can be deducted from investment accounts or paid from checking (ACH).
For Individuals
A straightforward plan tailored to your unique financial needs, providing personalized guidance and support.
For Couples & Families
A comprehensive plan designed to align your family’s financial goals and provide peace of mind for every stage of life.
Planning-Only Engagement (3 Months)
Not quite ready for an ongoing relationship? Or are you a DIY investor?
Get a 3-month engagement for a full financial planning review and analysis, personalized recommendations, plus an action plan to help achieve your goals.
Gain confidence that your family is organized and prepared for financial success. Get reassurance that you are maximizing your equity, reducing taxes, and investing wisely!
No product sales. No commissions or hidden fees. No asset management.
Just fiduciary, flat fee planning & education.
Please see Item 5 of our Form ADV Part 2 for additional information on our Fees and Services.
Book Your Free Assessment
We'll start with just a simple conversation with no commitments.
Our calls are always relaxed and hassle-free. Guaranteed.
“For I know the plans that I have for you,’ declares the Lord, ‘plans for prosperity and not for disaster, to give you a future and a hope.”
