Fee-only financial planning · Est. 2011
Plan the life you want. Then fund it.
We’re independent, flat-fee advisors. No commissions and no products to sell — just a clear plan and a steady hand for the decades it takes to work.
Fiduciary on every decision
One flat annual fee
CFP® professionals
Retirement projection
LiveProjected savings at age 65
$1,717,337
About $5,724/mo of retirement income at a 4% withdrawal rate. $1.20M of it comes from growth.
Hypothetical illustration. Assumes monthly compounding and constant returns; not a guarantee of future results.
Review my plan$410M
Assets under advice
380+
Families and owners served
11 yrs
Average client relationship
What we do
Advice for every chapter, one flat fee.
Planning, investing and taxes handled together by one fiduciary team — never sold, always explained.
01
Comprehensive Planning
One living plan for cash flow, taxes, investments, insurance and estate — rebuilt with you every year.
From $4,800 / year
02
Retirement Income
Turn a lifetime of saving into a paycheck that lasts: withdrawal order, Social Security timing and Roth conversions.
From $3,600 / year
03
Investment Management
Low-cost, globally diversified portfolios. No commissions, no proprietary funds, no hidden spread.
Included with planning
04
Tax-Aware Strategy
Bracket management, tax-loss harvesting and charitable giving — coordinated directly with your CPA.
Included with planning
05
Business Owners & Equity
RSUs, ISOs, exit planning and solo 401(k)s for founders, partners and tech employees.
From $6,000 / year
06
Family & Education
529 plans, first homes, caring for parents and passing on values — not just assets.
Projects from $2,400
How it works
A calm, four-step process. No surprises.
From the first call to your fortieth year with us, you always know what happens next.
01
Discover
A free 30-minute call. We listen, answer questions and tell you honestly if we’re a fit.
02
Design
Within 30 days you get a written plan with prioritized actions and the numbers behind them.
03
Implement
We open accounts, move assets and coordinate with your CPA and attorney so nothing falls through.
Transparent fees
One flat fee. Not a slice of your savings.
Most advisors charge 1% of everything you own — every year, forever. We charge a published flat fee based on complexity, not account size.
Published pricing, reviewed with you every year
No commissions, kickbacks or proprietary products
Fiduciary duty in writing — always
On a $1.2M portfolio, per year
Typical advisor · 1% AUM
$12,000
Hearth & Ledger · flat fee
$4,800
You keep, over 30 years*
$560,000+
*Illustrative. Assumes 6% growth and the fee difference reinvested.
Client stories
Real plans for real lives.
Your planners
Credentialed, independent, on your side.
Eleanor Hart
Founder & Lead Planner
CFP®, CPA
Marcus Bell
Partner, Retirement Income
CFP®, RICP®
Priya Raman
Senior Planner, Equity & Tax
CFP®, EA
Thomas Whitaker
Senior Advisor
CFA®
Insights
Plain-English notes on money decisions.
Free · 30 minutes · No pitch
Let’s see what your money could do.
Bring your questions. You’ll leave with at least one idea you can act on this month — whether or not we work together.