Garcia Financial Planning.

Pricing

Simple, honest pricing.

Flat monthly fees. No commissions. No asset minimum. Pick the tier that fits where you are.

Tier 1 — Foundation

Build your financial foundation.

$250/ month

Early-career professionals and younger families starting out.

What's included

  • Know exactly what to do with your money.
  • Figure out what goals to focus on first.
  • Stop wondering where your money goes every month.
  • Build an emergency fund.
  • Create a plan to get out of debt.
  • Find out if you're on track for retirement.
  • Make sure your family is protected if something happens to you.
  • Plan for big life purchases like a home or new car.
  • Meet twice a year to keep everything on track.
  • Reach out anytime you have questions.

Tier 2 — Growth

Optimize and accelerate.

$500/ month

Established professionals and families with growing tax complexity.

What's included

  • Everything in Foundation, plus:
  • Find ways to legally pay less in taxes.
  • Avoid surprise tax bills.
  • Decide if a Roth IRA makes sense for you.
  • Choose the right accounts to save and invest in.
  • Work together with your CPA.
  • Make sure your business has enough cash.
  • Figure out the best way to pay yourself.
  • Choose the right retirement plan for your business.
  • Meet throughout the year as things change.

Tier 3 — Legacy

Strategic family & business planning.

$750/ month

Business owners, executives, and high-complexity households.

What's included

  • Everything in Foundation and Growth, plus:
  • Have someone helping you oversee your entire financial life.
  • Coordinate with your CPA, attorney, banker, and other professionals.
  • Build a better system for managing your cash.
  • Get the most from your employee benefits.
  • Create a plan for selling or passing on your business.
  • Make sure your family and assets are protected if something happens to you.
  • Make sure your accounts, beneficiaries, and trust all work together.
  • Build wealth that can last for future generations.
  • Meet whenever you need guidance.

Investment management

1% annual fee on assets we manage.

A simple, low-cost portfolio built around your goals. No products, no commissions — just a straightforward plan for your money.

Garcia Financial Planning vs Other Financial Advisors

What Makes Garcia Financial Planning Different?

Garcia Financial Planning

Specialization

  • Who we work with — young go getters.
  • Your whole financial life, organized on one plan.
  • Built by a first-gen CFP® for people without a playbook.

Education

  • Guided by a CERTIFIED FINANCIAL PLANNER®.
  • Held to a fiduciary standard — your interest comes first.

Pricing

  • Fee-only. No commissions, ever.
  • No products to sell, so no conflicts of interest.
  • No asset minimum to work with us.

Who You Avoid

Specialization

  • Built for retirees, not people still building.
  • Touches your plan once a year and calls it done.
  • A playbook from a different generation.

Education

  • May or may not be a CFP® — you have to ask.
  • No fiduciary standard, so it's unclear whose interest comes first.

Pricing

  • Paid by commissions when you buy products.
  • A conflict of interest sits at the center of the advice.
  • Often a $1,000,000+ asset minimum to get in the door.

Pricing Questions

Questions about our pricing.