Straightforward pricing.
No conflicts. No surprises.
We believe transparency builds trust. Here is a complete overview of how we work and what we charge — so you can make a confident, informed decision.
How we work together
Four ways to engage
Whether you're building wealth, approaching retirement, or need focused guidance on a specific decision — there's a path that fits.
Investment Management
Complimentary financial planning included at $500K+ in assets
Financial Planning
Ongoing monthly or quarterly planning for professionals and households with under $500K in AUM
Project-Based
One-time engagements for a specific financial decision or planning need
Risk & Protection
Insurance & risk management integrated into your overall financial plan
Investment management
AUM fee schedule
For clients with $250,000 or more in investable assets. Advisory fees are applied on a tiered basis — each rate applies only to the assets within that tier. Clients with $500,000+ in AUM will receive complimentary comprehensive financial planning. Household accounts1 may be aggregated to take advantage of lower fee tiers. A Financial Planning Agreement and/or Statement of Investment Selection is required for all advisory relationships.
| Assets Under Management | Total Annual Fee | Financial Planning |
|---|---|---|
| First$250,000 – $500,000 | 1.13% – 1.40% | Required |
| Next$500,001 – $1,000,000 | 1.02% – 1.27% | Complimentary |
| Next$1,000,001 – $2,500,000 | 0.85% – 1.02% | Complimentary |
| Next$2,500,001 – $5,000,000 | 0.68% – 0.80% | Complimentary |
| Next$5,000,001+ | 0.52% – 0.60% | Complimentary |
1Generally, householding your accounts will result in a financial benefit to you due to reduced overall management fees and you should consider householding where applicable.
Financial Planning: Financial planning is required for AUM clients under $500,000 and is provided through our Wealth Builder or Prosperity packages, billed separately from your advisory fee. At $500,000+, comprehensive financial planning is complimentary and included as part of your advisory relationship.
Financial planning
Choose your planning package
For households earning $200,000+ and pre-retirees who prefer a dedicated planning relationship. Below $250,000 in AUM, financial planning through Wealth Builder or Prosperity is your primary relationship with Crescent Capital Planning. Between $250,000 and $500,000 in AUM, financial planning is required alongside your advisory relationship. Planning fees become complimentary once assets reach $500,000+ under management.
Wealth Builder
For busy mid-career professionals · $200K+ household income
$225/mo individual · $300/mo joint
- Wealth 360° Client Portal(powered by RightCapital®)
- Account organizer
- Goal/cash flow planning & budgeting tool
- All-in-one place account linking
- 3–4 meetings per year
- Unlimited calls & emails
- AssetMap® visual balance sheet
- Nitrogen® risk alignment report
- Tax-aware planning coordination2(powered by Holistiplan®)
- RSU & stock option planning
- Insurance needs analysis
- Retirement analysis & planning
- Employee benefits review
- Debt & mortgage strategies
Prosperity
For pre-retirees 50+ · $500K+ assets or $200K+ income
$350/mo individual · $450/mo joint
- Everything in Wealth Builder
- Retirement income planning
- Advanced Time Segmentation®
- Social Security optimization
- Medicare planning
- RMD & pension planning
- Pension maximization strategies
- Estate planning coordination2
- Legacy & charitable giving
- College funding planning
Onboarding fee credit: Your one-time onboarding fee is credited toward your second year of planning fees if you remain a client — our way of rewarding the relationships we build together.
Engagement terms: Planning engagements are available in one-year, two-year, three-year, or continuous terms. We recommend a minimum of one year to allow sufficient time to build and implement your financial plan. Term is selected at engagement and outlined in your client agreement.
Complex cases: Planning packages cover the majority of client situations. Complex cases or business planning engagements may warrant additional fees. Any additional fees will be disclosed in advance and are subject to mutual agreement prior to engagement.
One-time project engagements
Focused help when you need it
Need clarity on a specific financial question or decision?Fee credited toward any ongoing engagement
Business planning engagement
Subject to scope, time & resources involved
From $8,000
Starting fee
Risk management & protection planning is integrated into every client relationship. Where appropriate, we evaluate insurance and protection strategies as part of your overall financial plan.
Independent research
Quantifying the value of advice
Vanguard's Advisor's Alpha® research (2025) estimates that advisors implementing wealth management best practices can add up to, or even exceed, 3% in net returns annually. The table below summarizes how that value is generated across eight strategies.
| Vanguard Advisor’s Alpha® strategy | Value-add relative to "average" client experience (in basis points of return) |
|---|---|
| Suitable asset allocation using broadly diversified funds/ETFs | > 0* |
| Investment selection | 0 to 100 |
| Rebalancing | 12 |
| Behavioral coaching | Up to 200 or more |
| Asset location | 0 to 60 |
| Tax-efficient retirement strategy | Up to 100 or more |
| Total return versus income investing | > 0* |
| Tax-loss harvesting | Up to 150 or more** |
| Range of potential value added | Up to, or even exceeding, 3% in net returns |
Source: Vanguard Investment Advisory Research Center, Advisor’s Alpha® Perspectives (2025). *Value is deemed significant but too unique to each investor to quantify. **Tax-loss harvesting (TLH) was added to QAA modules in 2024; to understand the potential impact of TLH for an investor, the value reported must be scaled by the size of TLH assets relative to the size of the entire portfolio.
Who we work best with
Working Relationship
w/ planning package
willingness to implement
*Or ability to reach $500K within a reasonable time horizon. Investment minimums are at the discretion of Crescent Capital Planning.
Ready to take the first step?
Most clients start with a complimentary 30-minute consultation. We'll talk through your situation, answer your questions, and find out if we're a good fit — no obligation, no pressure.
Schedule a Complimentary ConsultationA strong financial plan does more than organize your finances — it helps provide clarity, confidence, and direction for the future. Whether you’re preparing for retirement, building wealth, or protecting what matters most, here are five important questions a comprehensive financial plan can help answer:
Whether it’s retiring comfortably, buying a home, helping family, or achieving greater financial freedom, a financial plan helps turn your goals into a clear, actionable strategy with realistic timelines.
A financial plan helps you understand where you stand today — including your income, savings, investments, debt, and spending — and identifies opportunities to improve cash flow, build wealth, and make more confident financial decisions.
Investing should reflect both your long-term objectives and your personal comfort with risk. A thoughtful plan helps you create an investment approach that balances growth opportunities with the level of volatility you’re comfortable with.
Life is unpredictable. A comprehensive financial plan helps you prepare for the unexpected by evaluating emergency savings, insurance coverage, income protection, and other strategies designed to help protect your family and financial future.
Retirement planning is about more than just saving money. A financial plan helps you evaluate when you may be able to retire, how much income you’ll need, potential healthcare costs, tax considerations, and strategies to help support the lifestyle you envision.
A well-designed financial plan isn’t static — it evolves with you. As your life, goals, and the financial landscape change over time, your plan should be reviewed and updated regularly to help keep you on track and aligned with what matters most.
2Cetera Advisors LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting, or legal services, Cetera representatives may offer these services through their independent outside business. This information is not intended as tax or legal advice.