Financial Planning Fees in Wilsonville, OR

Clear advice. Flexible ways to work together.

Every financial situation is different. Some people want an ongoing relationship with a financial planner. Others need a one-time plan to help answer a specific set of questions. Some prefer to have their financial planning and investment management coordinated under one relationship.

Harbor Horizon Financial offers three ways to work together:

-Ongoing Flat-Fee Financial Planning

-One-Time Financial Planning

-Financial Planning With Investment Management (AUM)

We are an independent, fee-only fiduciary firm. We do not receive commissions for recommending investments, insurance, or other financial products. Before you decide to work with us, we will clearly explain the services we recommend, what they include, and what they will cost.

Ways to Work Together

Financial planning built around the support you need

Choose a one-time roadmap, an ongoing planning relationship, or coordinated financial planning and investment management. We will explain the recommended service and its cost before you decide to move forward.

Option 1

Planning + Investment Management (AUM)

One coordinated relationship for ongoing financial planning and professional portfolio management.

Assets Under Management (AUM) fee Based on the value of the investments managed on your behalf.

What it may include

  • Ongoing comprehensive financial planning
  • Portfolio design, implementation, and rebalancing
  • Tax-aware investment management
  • Retirement-income and withdrawal coordination
  • RMD, Roth conversion, and gifting strategies
  • Coordination with your CPA and estate attorney
Best suited for

People who want to delegate portfolio decisions and have their investments managed as part of an ongoing financial plan.

Option 2

Ongoing Flat-Fee Planning

Continued financial planning and advice without an assets-under-management fee.

Monthly or quarterly flat fee Based on your planning complexity and the level of ongoing support needed.

What it may include

  • Ongoing retirement and cash-flow planning
  • Proactive tax-planning opportunities
  • Social Security and Medicare guidance
  • Investment recommendations and monitoring
  • Estate, gifting, and insurance coordination
  • Guidance as life and financial needs change
Best suited for

People who want an ongoing planning relationship while managing their own investments or keeping accounts elsewhere.

Option 3

One-Time Financial Plan

A personalized financial roadmap focused on your most important questions and decisions.

One-time project fee Based on the scope and complexity of your financial situation.

What it may include

  • Retirement-readiness and spending analysis
  • Social Security and withdrawal strategies
  • Tax and Roth conversion opportunities
  • Investment allocation recommendations
  • Insurance, estate, and beneficiary review
  • A prioritized implementation plan
Best suited for

People who want a comprehensive second opinion and feel comfortable implementing and monitoring the plan themselves.

Harbor Horizon Financial is an independent, fee-only fiduciary firm. We do not receive commissions for recommending investments, insurance, or other financial products. Fees and services are clearly explained before an engagement begins.

Schedule a Complimentary Strategy Session

Which Financial Planning Relationship Is Right for You?

Consider an AUM relationship if you want to delegate your investments

Planning with investment management may be the right fit if you want Harbor Horizon Financial to implement, manage, and monitor your portfolio while coordinating it with the rest of your financial plan.

This relationship is designed for people who value ongoing advice and want their investments, retirement income, taxes, and long-term goals managed together.

Consider ongoing flat-fee planning if you want advice without transferring your investments

Flat-fee planning may be appropriate if you want an ongoing relationship with a financial planner but prefer to manage your investments yourself or keep them with another provider.

This provides continued planning, accountability, and guidance as your life, tax situation, and financial decisions evolve.

Consider a one-time plan if you want a roadmap you can implement yourself

A one-time financial plan may be the right fit if you have specific questions, are approaching a major transition, or want a comprehensive second opinion.

You will receive personalized recommendations and prioritized action items, but you will be responsible for implementing and monitoring the plan after the engagement is complete.

Not sure which option fits?

You do not need to choose before meeting with us. During your complimentary Strategy Session, we will learn about your situation and explain which relationship appears most appropriate.

Key Components of Comprehensive Financial Planning

Our financial planning process is designed to help bring the different areas of your financial life together into one coordinated strategy. The scope and level of ongoing support will depend on the service model you choose.

1

Retirement & Cash-Flow Planning

Evaluating whether you are on track for retirement, how much you can comfortably spend, and how your income needs may change over time.

2

Investment Strategy & Coordination

Aligning your investment allocation, account types, risk level, and portfolio strategy with your goals, timeline, and retirement-income needs.

3

Tax Planning Integration

Identifying opportunities involving Roth conversions, capital gains, charitable giving, required minimum distributions, and tax-efficient withdrawals while coordinating with your CPA.

4

Social Security, Healthcare & Insurance Planning

Evaluating Social Security timing, Medicare and IRMAA considerations, healthcare costs, and insurance needs as part of your broader financial plan.

5

Estate & Legacy Coordination

Reviewing beneficiaries, estate documents, charitable goals, and family gifting strategies while coordinating with your estate-planning attorney when appropriate.

6

Plan Stress Testing & Ongoing Decisions

Testing how your plan may respond to market declines, inflation, longer life expectancy, tax changes, and unexpected spending so you can make informed decisions with greater confidence.

How Financial Planning Fees Are Determined

Your fee will depend on the type of relationship, the complexity of your financial situation, and the services you need.

1. We learn about your situation

We begin by discussing your goals, financial questions, current accounts, and the areas where you would like help.

2. We recommend the appropriate relationship

Based on your needs, we will explain whether AUM, ongoing flat-fee planning, or a one-time financial plan appears to be the best fit.

3. You receive a clear scope and fee

Before you decide to work with us, you will know what services are included, how the fee is calculated, and what you can expect from the relationship.

There is no obligation to move forward after the initial conversation.

Why Clients Choose Harbor Horizon Financial

Independent, Fee-Only Advice: We are compensated directly by our clients, not through commissions, referral payments, or financial product sales.

Comprehensive Financial Planning: We look beyond investments to coordinate retirement, taxes, cash flow, insurance, estate planning, and other important financial decisions.

An Oregon Perspective: We understand the state-specific issues Oregon families may face, including Oregon income taxes, estate taxes, PERS benefits, and retirement-income planning.

A Heart of a Teacher: Our role is not simply to tell you what to do. We explain your options, help you understand the trade-offs, and provide clear guidance so you can make informed decisions.

Proactive Coordination: When appropriate, we work alongside your CPA, estate attorney, and other professionals to help keep the different pieces of your financial life working together.

Find the Right Financial Planning Relationship

Whether you want to delegate your investments, receive ongoing advice while managing them yourself, or build a one-time financial roadmap, the right relationship should reflect the support you need. Harbor Horizon Financial will help you understand your options, compare the fees, and choose a path that fits your financial life.

Frequently Asked Questions

How much does financial planning cost?

Fees vary based on the complexity of your financial situation, the services you need, and whether the engagement includes ongoing investment management. You will receive a clear explanation of your services and fees before deciding whether to move forward.

Do I need to move my investments to work with you?

No. Clients may engage Harbor Horizon Financial for one-time or ongoing flat-fee financial planning without having us manage their investments.

If you would like ongoing portfolio management, we can coordinate your investments with the rest of your financial plan.

Is financial planning included with investment management?

For investment-management clients, ongoing financial planning is integrated into the relationship. Investments are managed as one part of the broader plan, not as a separate or isolated service.

Do you receive commissions?

No. Harbor Horizon Financial is a fee-only fiduciary firm. We are compensated directly by our clients and do not receive commissions for selling financial products.

Is a one-time plan right for everyone?

A one-time plan works best for people who are comfortable implementing and monitoring the recommendations themselves. Those who want continued guidance, proactive planning, and support through future decisions may be better served by an ongoing relationship.

What happens during the initial consultation?

The complimentary Strategy Session is an opportunity to discuss your goals, questions, and current financial situation. We will explain where we may be able to help, which service model may be the best fit, and what the engagement would cost.

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