Ways to Work With Us
.png)
Our core service is comprehensive, fee-based financial planning—providing a structured, strategic approach to help you navigate every aspect of your financial life. Investment management and insurance solutions are often integrated as part of the planning process, ensuring that all financial decisions align with your broader goals. We do offer investment and insurance solutions on a standalone basis when appropriate, however, we believe they are most effective when guided by a well-defined financial plan.
Comprehensive Financial Planning
Comprehensive financial planning is the foundation of what we do. It’s more than just numbers—it’s about designing a financial strategy that supports your life goals while adapting to change. Our process begins with understanding your values, priorities, and long-term vision. We evaluate your cash flow, tax strategy, investments, insurance coverage, and estate plan to ensure every financial decision fits within a cohesive, personalized framework. Planning isn’t a one-time event; it’s an ongoing process that evolves as your needs change. Whether you’re navigating career transitions, preparing for major financial decisions, or working toward long-term financial security, our approach provides clarity, structure, and expert guidance every step of the way.
Investment Management
Investment management at Aether Financial Group is driven by science and strategy. We believe that a sound investment plan should be informed by your overall financial picture, not just market movements. Our approach is rooted in evidence-based investing, tax efficiency, and risk alignment—helping you build and preserve wealth in a way that reflects your goals and comfort with risk. While investment management can be offered as a standalone service, it is most powerful when integrated into a broader financial plan, ensuring your portfolio decisions align with your long-term objectives, cash flow needs, and tax strategy. We focus on low-cost, diversified, and tax-efficient solutions to create a portfolio that works for you.
Insurance Solutions
Insurance is an essential tool for managing financial risk, but it should never be oversold or overlooked. Our philosophy is to educate first, recommend second—helping you understand your coverage options so you can make informed decisions. Whether it’s life, disability, long-term care insurance, or annuity solutions we take an independent approach, analyzing employer-provided and private policies to determine the right fit for your situation. Our insurance solutions are most often incorporated as part of a comprehensive financial plan, ensuring that protection strategies are aligned with your broader financial goals. For those who need standalone insurance guidance, we provide transparent recommendations tailored to your needs—without pressure or product bias.
How We Get Compensated
We believe that transparency in compensation is essential to building trust. Our goal is to provide clear, objective advice, and we structure our compensation in a way that aligns with your best interests. Here’s how we get paid across our services:
Fee-Based Financial Planning
We charge a flat annual planning fee for comprehensive financial planning, allowing for as many meetings as needed to ensure your plan stays on track. Unlike hourly or transactional models, this approach allows us to serve as an ongoing fiduciary partner—helping you navigate financial decisions without the worry of additional costs for each conversation. Our fees typically range between $1,500 and $7,500 per year, depending on the complexity of your financial situation.
Investment Management
For clients who choose to have us manage investments, we charge a fee based only on those assets entrusted to us, typically between 0.8% and 1.25%, depending on account size and strategy. This fee-only structure means our compensation is directly tied to helping you grow and manage your wealth. While we oversee and manage these assets, we also provide guidance on investments held outside of our management as part of the broader planning process.
Insurance Solutions
When we assist with implementing insurance solutions, we are compensated by the insurance company in the form of a commission. This means no dollars come out of your pocket for insurance coverage. We will always be upfront about when a recommendation, if implemented, may result in a commission. Our priority is to ensure that any insurance strategy fits into your overall financial plan, and we take an education-first approach, so you feel confident in your coverage decisions.
Our commitment to transparency ensures that you always know how we are compensated and that our recommendations are made with your best interests in mind.