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Consultation

Our Services & Fees

At Lafayette Financial Planning (LFP), we believe financial guidance should be clear, accessible, and entirely free from hidden agendas or conflicts of interest.

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As an independent, fee-only firm, our sole source of compensation comes directly from you. We never sell proprietary products, accept third-party commissions, or receive referral kickbacks. Our fiduciary commitment ensures that every recommendation we make is solely in your best interest.

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Because your life and goals are unique, we organize our partnership into three collaborative phases: Planning & Strategy, Implementation & Guidance, and Ongoing Investment Management.

Financial Planning & Strategy

Stand Alone Comprehensive Financial Planning, Project Work and Hourly Consulting

Fee Structure:

  • Fixed Project Fee: $1,200 to $10,000
    (determined upfront based on the complexity, time, and depth of research required).

  • Hourly Consulting: $400/hour for select targeted evaluations or consulting sessions.

  • Note: A portion may be collected in advance, with the balance due upon delivery of your written plan.
    LFP never collects more than $500 six months or more in advance.

Design principals, senior associates, and engineering leaders often face concentrated, high-stakes financial crossroads that demand objective technical clarity without an ongoing commitment. Our project-based engagements deliver a targeted, conflict-free roadmap designed specifically around your firm milestone or transitional decision.

  • Principal Equity & Partner Buy-In Analysis: Evaluating firm valuation formulas, reviewing buy-sell agreements, modeling internal financing vs. commercial bank loans, and stress-testing cash flow for capital contribution calls.

  • Retirement Optimization: Analyzing your IRAs, 401(k)s, or pension plans to maximize your tax-advantaged savings capacity and make sure you are on track to your retirement goals.

  • Project Deliverables: A comprehensive report outlining your options, scenario models, and a step-by-step action roadmap to execute on your own, or with the help of your other professional team.

  • Can be a one time detailed review for "do it yourselfers" or as the first step to an ongoing planning relationship.

Implementation & Guidance

Ongoing Financial Planning

Fee Structure:

  • After Initial Planning Engagement

  • Ongoing Advisory Retainer:

  • $300 to $1,200 per quarter, billed in arrears according to your household’s planning complexity.

  • Pure Advice Model: 100% fee-only guidance with zero asset management requirements or product sales.

Balancing intensive studio deadlines, leadership responsibilities, and a growing family leaves little time to maintain a proactive financial life. Ongoing Financial Planning provides a dedicated year-round fiduciary partnership, ensuring your personal wealth builds steadily alongside your career progression toward firm equity.

  • Career & Family Balance: Proactive cash flow management, targeted family emergency reserves, debt optimization, and strategic college funding plans.

  • Capital Accumulation for Ownership: Structured liquidity strategies designed to systematically fund future partnership equity buy-ins or new studio ventures.

  • Year-Round Tax & Risk Stewardship: Ongoing tax reduction strategies and comprehensive liability and disability reviews to safeguard high-earning licensed professionals.

Investment & Wealth Management

All inclusive investment management and ongoing financial planning

  • Fee Structure:
    (Blended annual fee, billed quarterly in arrears)

  • Tiered Fee Schedule:

    • 1.00% on the first $1M;

    • 0.80% on $1M–$2M;

    • 0.60% on $2M–$5M;

    • 0.50% over $5M

    • (minimum annual fee: $6,000)

  • Comprehensive Inclusivity: Complete ongoing financial planning is included at no extra charge, with household account aggregation available.

For established principals, studio owners, and senior leaders, true peace of mind comes when your personal investment portfolio works in complete harmony with your firm equity. We provide continuous, fiduciary portfolio management tailored to counterbalance AEC market cycles, with full-scope financial planning included at no additional cost.

  • Asset allocation and designing portfolios that account for your firm's industry exposure—ensuring your personal investments provide true diversification against AEC economic cycles.

  • Tax Efficient and Values Investing: Investment strategy that not only looks at decisions that not only meet the client's tax needs, but also align with their personal values.

  • Integrated 401(k) Oversight: Continuous supervision of employer-sponsored retirement and profit-sharing plans (via Pontera) unified with your broader taxable wealth.

  • Conflict-Free Custody: All investment accounts are held in your name at independent qualified custodians (such as Charles Schwab). We never take custody, sell commission products, or receive third-party kickbacks.

Regulatory & Fiduciary Transparency

Lafayette Financial Planning LLC is a registered investment adviser in the State of Texas. As a 100% fee-only practice, our sole compensation comes directly from our clients. We sell no insurance or investment products and accept zero commissions or referral incentives. Financial planning recommendations do not constitute formal legal or tax preparation services; we actively coordinate with your firm’s CPA and legal advisors to ensure cohesive implementation. Investing in securities involves risk of loss that clients should be prepared to bear. For complete details regarding our advisory services, fees, and business practices, please review our Form ADV Part 2A Firm Brochure.

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