Escient Financial

PRICING

SIMPLE FLAT-RATE FEES.

NO PERCENTAGES. NO CONFUSION.

MULTIPLE SOLUTIONS FOR YOUR NEEDS

Comprehensive Financial Planning
Ongoing Comprehensive Financial Planning
Hourly Financial Planning
Investment Management


COMPREHENSIVE FINANCIAL PLANNING

GET A REAL FINANCIAL PLAN

THAT COVERS ALL THE MAJOR AREAS OF YOUR FINANCIAL LIFE

  Possibilities & Goal Planning

  Cash Flow & Budgeting

  Debt Management

  Digital Assets & Cryptocurrency*

    Emergency Fund 
  Insurance Planning

  
Net Worth Tracking

  Purchasing a Home

  Risk Management
  Business Planning
  Education Savings
  Employee Benefits Optimization
  Social Security

  Investment Analysis

  Personalized Investment Advice
  Investment Education 

  Real Estate Investment Planning
    Retirement Planning 
  Estate Planning

  Tax Panning

COMPLETE COMPREHENSIVE FINANCIAL PLAN

  6 Months of Comprehensive Financial Planning

  Complete Personalized Comprehensive Financial Plan  

  24/7 Access to Your Financial Plan & Client Portals

  Unlimited Access to Your Financial Planner/Advisor

  Implementation Support

  Accountability

  Budgeting Tool

  Digital Vault Storage

  Financial Plan Monitoring

  Extended Schedule Availability

  Unlimited Phone & Email Support

  Weekly Insights Newsletter


Single Individual


$5,000

$2,500 initial payment, then $500 per month for 5 months




Couples & Families


$7,500

$3,750 initial payment, then $750 per month for 5 months




ONGOING COMPREHENSIVE FINANCIAL PLANNING

KEEP IT GOING

​STAY ON THE RIGHT PATH TOWARD ACHIEVING YOUR GOALS

Once your Complete Comprehensive Financial Plan term has ended, it's important to know that as your life changes your financial plan needs to change with it so that you're able to adapt to new financial risks and opportunities. For those situations, Escient Financial offers optional Ongoing Comprehensive Financial Planning for clients who want additional support with implementation and financial plan updates.

ONGOING COMPREHENSIVE FINANCIAL PLANNING
​(optional for clients who have completed a comprehensive financial plan)

  Ongoing Comprehensive Financial Planning

  Complete Personalized Comprehensive Financial Plan  

  24/7 Access to Your Financial Plan & Client Portals

  Unlimited Access to Your Financial Planner/Advisor

  Implementation Support

  Accountability

  Periodic Review Meetings

  Budgeting App

  Digital Vault Storage

  Financial Plan Monitoring

  Extended Schedule Availability

  Unlimited Phone & Email Support

  Weekly Insights Newsletter

  Optional Investment Management


Single Individual


$3,000 Annually

Paid monthly. Cancel anytime with 30-day notice.




Couples & Families


$4,500 Annually

Paid monthly. Cancel anytime with 30-day notice.




HOURLY FINANCIAL PLANNING

Looking for some quick answers or want a review or update to your existing financial plan without a monthly fee?

Hourly financial planning is for you. We'll cover any and all areas you want for a simple hourly rate.

$300 / Hour

One-hour minimum, then $30 every 6 minutes

Some of the financial planning focus areas that can be covered by hourly financial planning include:

  Possibilities & Goal Planning

  Cash Flow & Budgeting

  Debt Management

  Digital Assets & Cryptocurrency*

  Insurance Planning

  Emergency Fund

  Purchasing a Home

  Risk Management

  Business Planning

  Education Savings

        Employee Benefits Optimization
  
Social Security

  Real Estate Investment Planning

  Investment Analysis

  Personalized Investment Advice

  Investment Education

  Retirement Planning

    Estate Planning
  
Tax Planning


INVESTMENT MANAGEMENT

MANAGING YOUR OWN INVESTMENTS ISN'T FOR EVERYONE

ESCIENT FINANCIAL CAN MANAGE YOUR INVESTMENTS SO YOU DON'T HAVE TO

Personalized Portfolios

Many advisors will manage your portfolio with models they use for all of their clients. Escient Financial customizes your portfolio for your goals, values, risk tolerance, and personal preferences.

No Asset Minimums

Many advisers will only work with you if you have a minimum amount of assets to manage. Not Escient Financial. If you've just made your first $100 contribution to your retirement account, or even you still need to open your account, Escient Financial is happy to help you.

Non-Discretionary

Escient Financial will place trades on your accounts for you with your permission after the recommended trades are reviewed. Changes are only made with your approval, so you're always aware of what's happening with your accounts.

Digital Assets

Most advisors cannot or will not provide advice and management of bitcoin and other digital assets, but as a Certified Digital Asset Advisor, Escient Financial has the expertise and willingness to help you invest in the newest asset class if it's the right investment for you.*

INVESTMENT MANAGEMENT
​(optional for financial planning clients)

  24/7 Account Access

  Digital Experience

  Access with Website and Mobile App

  Quarterly Performance Reports

  Manual or Automatic Rebalancing

  Account Monitoring

  Automatic Recurring Deposits

  Cash Management Account with High Interest APY

  FDIC-Insured Cash Management Account

  SIPC-Insured Traditional Investment Accounts

  FINRA/SIPC Member Traditional Account Custodian

  Optional Billing to Traditional Investment Accounts


Traditional Accounts

Brokerage, IRA, Roth IRA, SEP IRA, Solo 401(k), Trust, etc.


$50 / Month

per account managed by Escient Financial.

In addition to financial planning services.





Digital Asset Accounts

for investing in Bitcoin and other cryptocurrencies*


$150 / Month** 

for the first account managed by Escient Financial. Each additional account is $50 per month per account.

In addition to financial planning services.



* Investing in digital assets and cryptocurrencies involves a greater amount of risk due to increased volatility and different or less regulation than exists for traditional financial investments. The future of digital assets and cryptocurrencies is uncertain and highly speculative and should be considered only by investors willing and able to take on the risk and potentially endure substantial loss.


**Additional fees for custody and/or trading may apply and are charged to the managed account by the custodian and/or technology platform provider. Escient Financial does not receive any compensation for additional fees.

2 WAYS TO GET STARTED

Let's Meet First

Want to learn more about me and tell me more about you to see if we're a good match? That sounds great! Let's meet. Go ahead and click the button below to schedule a meeting right now.

Find Out More with a FREE Introductory Meeting
Find Out More with a FREE Introductory Meeting

Get Started Immediately

Real financial planning is the right way to go, isn't it? Jump right in, right now, and get started with your financial plan today with a FREE 7-DAY TRIAL, complimentary Real Financial Planning Experience meeting, and review of your current financial situation. There's NO COST and NO OBLIGATION. Click the button below to see how.

See How to Get Started Now


FEE EXAMPLES & COMPARISONS

Fee Example for a Single Individual without a Digital Assets Account

Escient Financial strives to be as transparent as possible with simple flat-rate pricing. Below is an example of the fees that could be paid by a single individual for financial planning and investment management services.

1st Year (beginning January 1st)
 6-month Comprehensive Financial Plan $5,000
 Ongoing Comprehensive Financial Planning for the last 6 months of the year (($3,000 ÷ 12) x 6 months)
 $1,500
 Investment Management of 3 traditional accounts for the last 6 months of the year (i.e. 1 Brokerage, 1 Traditional IRA, and 1 Roth IRA)$900 
Total 1st year financial planning and investment Management $7,400

Comparing the first year fee to traditional AUM fees, below is what $7,100 during the first year would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 0.74%
 $7,400 $10,000 $2,600
 $2 Million Portfolio0.37%   $7,400 $17,500 $10,100
 $5 Million Portfolio 0.148%  $7,400$32,500  $25,100
$10 Million Portfolio
0.074%  $7,400 $45,000 $37,600

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Actual AUM fee structure of other advisors could be different.

2nd Year and Beyond
Ongoing Comprehensive Financial Planning
 $3,000
 Investment Management of 3 traditional accounts
(i.e. 1 Brokerage, 1 Traditional IRA, and 1 Roth IRA)
$1,800 
Total of financial planning and investment Management for 2nd and later years (each year) $4,800

Comparing the fee for the second and later years to traditional AUM fees, below is what $4,800 would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 0.48%
 $4,800 $10,000 $5,200
 $2 Million Portfolio0.24%   $4,800 $17,500 $12,700
 $5 Million Portfolio 0.096%  $4,800$32,500 $27,700
$10 Million Portfolio
0.048%  $4,800 $45,000 $40,200

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Actual AUM fee structure of other advisors could be different.

As you can see, the fees charged by Escient Financial for financial planning and investment management services could be considerably lower than the fees that would be paid through a traditional AUM financial advisor.

There may be financial advisors that have lower fees than Escient Financial.

Fee Example for a Single Individual with a Digital Assets Account

Escient Financial strives to be as transparent as possible with simple flat-rate pricing. Below is an example of the fees that could be paid by a single individual for financial planning and investment management services.

1st Year (beginning January 1st)
 6-month Comprehensive Financial Plan $5,000
 Ongoing Comprehensive Financial Planning for the last 6 months of the year (($3,000 ÷ 12) x 6 months)
 $1,500
 Investment Management of 3 traditional accounts for the last 6 months of the year (i.e. 1 Brokerage, 1 Traditional IRA, and 1 Roth IRA)$900 
 Investment Management of 1 digital asset account for the last 6 months of the year $900
Total 1st year financial planning and investment Management $8,300

Comparing the first year fee to traditional AUM fees, below is what $8,000 during the first year would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical 
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 0.83%
 $8,300 $10,250 $1,950
 $2 Million Portfolio0.415%   $8,300 $18,000 $9,700
 $5 Million Portfolio 0.166%  $8,300$33,750  $25,450
$10 Million Portfolio
0.083%  $8,300 $47,500 $39,200

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Typical AUM Fee also includes 0.5% of 10% of the portfolio as an additional fee for managing digital assets. Actual AUM fee structure of other advisors could be different.

2nd Year and Beyond
Ongoing Comprehensive Financial Planning
 $3,000
 Investment Management of 3 traditional accounts
(i.e. 1 Brokerage, 1 Traditional IRA, and 1 Roth IRA)
$1,800 
 Investment Management of 1 digital asset account $1,800
Total of financial planning and investment Management for 2nd and later years (each year) $6,600

Comparing the fee for the second and later years to traditional AUM fees, below is what $6,600 would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 0.66%
 $6,600 $10,500 $3,900
 $2 Million Portfolio0.33%   $6,600 $18,500 $11,900
 $5 Million Portfolio 0.132%  $6,600$35,000  $28,400
$10 Million Portfolio
0.066%  $6,600 $50,000 $43,400

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Typical AUM Fee also includes 0.5% of 10% of the portfolio as an additional fee for managing digital assets. Actual AUM fee structure of other advisors could be different.

As you can see, the fees charged by Escient Financial for financial planning and investment management services could be considerably lower than the fees that would be paid through a traditional AUM financial advisor.

There may be financial advisors that have lower fees than Escient Financial.

Fee Example for a Couple or Family without a Digital Assets Account

Escient Financial strives to be as transparent as possible with simple flat-rate pricing. Below is an example of the fees that could be paid by a couple or family for financial planning and investment management services.

1st Year (beginning January 1st)
 6-month Comprehensive Financial Plan $7,500
 Ongoing Comprehensive Financial Planning for the last 6 months of the year (($4,500 ÷ 12) x 6 months)
 $2,250
 Investment Management of 6 traditional accounts for the last 6 months of the year (i.e. 1 Brokerage, 2 Traditional IRA, 2 Roth IRA. 1 Trust)$1,800 
Total 1st year financial planning and investment Management $11,550

Comparing the first year fee to traditional AUM fees, below is what $11,100 during the first year would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 1.155%
 $11,550 $10,000 See 2nd Year Below
 $2 Million Portfolio0.5775%   $11,550 $17,500 $5,950
 $5 Million Portfolio 0.231%  $11,550$32,500 $20,950
$10 Million Portfolio
0.1155%  $11,550 $45,000 $33,450

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Actual AUM fee structure of other advisors could be different.

2nd Year and Beyond
Ongoing Comprehensive Financial Planning
 $4,500
 Investment Management of 6 traditional accounts
(i.e. 1 Brokerage, 2 Traditional IRA, 2 Roth IRA, 1 Trust)
$3,600 
 Total of financial planning and investment Management for 2nd and later years (each year) $8,100

Comparing the fee for the second and later years to traditional AUM fees, below is what $8,100 would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 0.81%
 $8,100 $10,000 $1,900
 $2 Million Portfolio0.405%   $8,100 $17,500 $9,400
 $5 Million Portfolio 0.162%  $8,100$32,500  $24,400
$10 Million Portfolio
0.081%  $8,100 $45,000 $36,900

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Actual AUM fee structure of other advisors could be different.

As you can see, the fees charged by Escient Financial for financial planning and investment management services could be considerably lower than the fees that would be paid through a traditional AUM financial advisor.

There may be financial advisors that have lower fees than Escient Financial.

Fee Example for a Couple or Family with a Digital Assets Account

Escient Financial strives to be as transparent as possible with simple flat-rate pricing. Below is an example of the fees that could be paid by a couple or family for financial planning and investment management services.

1st Year (beginning January 1st)
 6-month Comprehensive Financial Plan $7,500
 Ongoing Comprehensive Financial Planning for the last 6 months of the year (($4,500 ÷ 12) x 6 months)
 $2,250
 Investment Management of 6 traditional accounts for the last 6 months of the year (i.e. 1 Brokerage, 2 Traditional IRA, 2 Roth IRA. 1 Trust)$1,800 
 Investment Management of 1 digital asset account for the last 6 months of the year $900
Total 1st year financial planning and investment Management $12,450

Comparing the first year fee to traditional AUM fees, below is what $12,000 during the first year would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 1.245%
 $12,450 $10,250 See 2nd Year Below
 $2 Million Portfolio0.6225%   $12,450 $18,000 $5,550
 $5 Million Portfolio 0.249%  $12,450$33,750  $21,300
$10 Million Portfolio
0.1245%  $12,450 $47,250 $34,800

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Typical AUM Fee also includes 0.5% of 10% of the portfolio as an additional fee for managing digital assets. Actual AUM fee structure of other advisors could be different. Actual AUM fee structure of other advisors could be different.

2nd Year and Beyond
Ongoing Comprehensive Financial Planning
 $4,500
 Investment Management of 6 traditional accounts
(i.e. 1 Brokerage, 2 Traditional IRA, 2 Roth IRA, 1 Trust)
$3,600 
 Investment Management of 1 digital asset account $1,800
 Total of financial planning and investment Management for 2nd and later years (each year) $9,900

Comparing the fee for the second and later years to traditional AUM fees, below is what $9,900 would be as a percentage of a portfolio.

 Portfolio Size Escient Financial's
Fee %
 Escient Financial's
Fee $
Typical
AUM Fee 
Escient Financial Saves You
$1 Million Portfolio
 0.99%
 $9,900 $10,500 $600
 $2 Million Portfolio0.495%   $9,900 $18,500 $8,600
 $5 Million Portfolio 0.198%  $9,900$35,000  $25,100
$10 Million Portfolio
0.099%  $9,900 $50,000 $40,100

Typical AUM Fee assumes a blended tier fee structure of 1% AUM fee for the first $1 million, 0.75% AUM fee for assets between $1 million and $2 million, 0.50% AUM fee for assets between $2 million and $5 million, and 0.25% AUM fee for assets above $5 million. Typical AUM Fee also includes 0.5% of 10% of the portfolio as an additional fee for managing digital assets. Actual AUM fee structure of other advisors could be different.

As you can see, the fees charged by Escient Financial for financial planning and investment management services could be considerably lower than the fees that would be paid through a traditional AUM financial advisor.

There may be financial advisors that have lower fees than Escient Financial.

Why are Escient Financial's fees so low compared to other financial advisors?

Escient Financial is an independent solo registered investment advisor, working mostly virtually with clients from a home office. This allows for very low overhead, and lower revenue needed to operate the business. This allows Escient Financial to pass on those savings to clients via lower fees, so that clients are spending less and saving more.


Escient Financial's fees are designed to pay for the amount of time that is expected to manage your investment accounts. This includes trading in the accounts, rebalancing to the desired allocation, monitoring, generating reports, and meeting to discuss your accounts and investments with you.


The most common fee structure for financial advisors is the AUM model, which is a fee based on the amount of assets you have in investment accounts the financial advisor is managing for you. This could be a flat rate fee or a percentage of the assets under management. The issue with this type of model is that large accounts most likely don't take much more time to maintain than a smaller account.


Escient Financial makes things more fair by simply charging only for the amount of time that should be necessary to help clients plan for their financial future. This allows for lower fees that are more fair so clients have a better chance to achieve their financial goals.

There may be financial advisors that have lower fees than Escient Financial.

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Find Out More with a FREE Introductory Meeting