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Flat Fee Financial Planning

Great advice
shouldn't cost a percentage.

Transparent, flat-fee wealth management for self-directed investors who are ready for a thought partner — without giving up control or paying more as your portfolio grows.

Schedule a Free Intro Call See How It Works
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Why Flat Fee

Built for people who've been
doing this on their own

You've managed your own money for years. Now the questions are getting bigger — and the stakes are higher. We're here when you're ready.

Flat Fee, Not a Percentage

You pay a transparent, fixed fee for our guidance — not a percentage of your portfolio. As your wealth grows, our fee stays the same.

Collaborative by Design

Not ready to hand over the reins? You don't have to. We work alongside you — answering questions, pressure-testing decisions, and stepping in when you want us to.

Ongoing, Not One-Time

This isn't a plan that sits in a drawer. You get continuous access to planning support — someone to call when the market shifts or a decision arises.

Fiduciary. Always.

We are legally bound to act in your best interest. No commissions, no product sales, no hidden incentives — just clear, objective advice.

Your Portfolio, Your Way

Keep your accounts where they are. We advise on allocation, tax strategy, and income planning without requiring you to transfer a single dollar.

Retirement-Focused

Roth conversions, retirement paycheck design, income sequencing, Medicare planning — we specialize in the decisions that define your financial future.

How It Works

Simple, transparent, and on your terms

No long onboarding process. No pressure. Just a straightforward path to better financial clarity — starting with a free conversation and moving at your pace.

01

Free Introduction

A 30-minute call to understand where you are, what you're trying to solve, and whether we're the right fit. No commitment, no pitch.

02

Build Your Plan

We dig into your full financial picture — income sources, tax situation, investments, retirement timeline — and build a clear, actionable roadmap.

03

Ongoing Support

Life changes. Markets move. We're here year-round — reviewing your plan, answering questions, and helping you make confident decisions.

Pricing

The cost of good advice is a fraction
of the cost of bad decisions.

A single poorly timed Roth conversion, an inefficient withdrawal sequence, or an overlooked tax bracket can cost six or even seven figures over a retirement. Our job is to make sure that doesn't happen.

Focused Strategy Session

One topic. One clear answer.

$1,250
One-time
  • One topic: Roth conversion, withdrawal strategy, portfolio review, or retirement paycheck design
  • 90-minute working session with pre-meeting document review
  • Written summary with actionable recommendation
  • 7 days of follow-up clarification
Your $1,250 applies as credit toward the Architecture Plan within 30 days.
Book a Session
Most Clients Start Here

Retirement Architecture Plan

The complete operating system for your retirement.

$6,000+
One-time · based on complexity
  • Income architecture: withdrawal guardrails, sequencing, and stress testing
  • Investment structure aligned for the distribution phase
  • Lifetime tax strategy: Roth conversions, RMDs, bracket planning, IRMAA
  • 2–3 working sessions with scenario modeling
  • Written Architecture Report with 12–24 month action plan
Get Started

Ongoing Planning

Keep the architecture current. Year after year.

$650+
Per month · based on complexity · 12-month minimum
  • Custom service calendar with scheduled reviews tailored to your needs
  • Continuous monitoring, adjustments, and Roth conversion strategy
  • Year-end tax coordination with your CPA
  • Direct access to Trent year-round
Ask About Ongoing
The Value of Advice

What professional guidance
could mean for your retirement

Going it alone can work — until it doesn't. Adjust the sliders to see the potential impact of having a professional in your corner over the course of your retirement.

Portfolio Value $2,000,000
Years in Retirement 25 years
Portfolio Outcomes (Today's Dollars)
DIY (no advisor) $8,584,940
With flat fee advisor (net of fees) $17,160,714
Potential value of professional guidance $8,575,774
What You Pay for Advice
Total flat fees over 25 years $195,000
Net benefit after fees $8,380,774
Portfolio Growth in Today's Dollars
DIY — No Advisor With Flat Fee Advisor

All values shown in today's dollars (adjusted for 2.5% inflation). Assumes 6% average annual portfolio growth. Based on Vanguard's "Putting a value on your value" research, which estimates advisors can add about 3% in net returns through behavioral coaching, tax-loss harvesting, asset allocation, and withdrawal strategy. Advisor portfolio shown net of flat fees ($650/mo). Projections are hypothetical and do not guarantee future results.

Trent Grzegorczyk
Meet Trent

Your advisor. Not a
call center.

I'm Trent Grzegorczyk — I've spent over twelve years in independent wealth management. I've worked at large firms and small ones, and I keep coming back to the same conclusion: the best advice comes from someone who knows your name, your situation, and your goals.

I built Flat Fee for people like the ones I've always loved working with — smart, capable people who've done well on their own but want a sounding board as the decisions get more complex. You don't need someone to take over. You need someone in your corner.

I'm based in Naples, Florida, and I work with clients across the country.

12+ Years Experience
Fee-Only Fiduciary
Fully Independent
Frequently Asked

Common questions

If yours isn't here, just ask. That's what the intro call is for.

Most advisors charge 1% of assets under management. On a $2M portfolio, that's $20,000 a year — and it goes up as your portfolio grows, even though the work doesn't. Our flat fee stays the same regardless of your portfolio size. You get the same depth of planning, the same access, and the same advice — without the fee scaling against you. For most of the clients we work with, the savings over a 10–20 year retirement are substantial.

Not stock picks. You're paying for the decisions that happen around your portfolio — when to convert to Roth and how much, which accounts to draw from first, how to manage tax brackets as RMDs kick in, whether your withdrawal rate is sustainable through a downturn. These are coordination and sequencing problems, and getting them right (or wrong) can mean hundreds of thousands of dollars over a retirement. Most self-directed investors are strong on the investing side but haven't stress-tested the planning side.

No. You can keep your investments exactly where they are — Fidelity, Schwab, Vanguard, wherever. We advise on your portfolio without requiring you to move anything. Most of our clients prefer it this way. If you do want us to manage your investments directly, we can discuss that too.

Think of it as a progression. The Focused Strategy Session ($1,250) is a single deep-dive on one decision — ideal if you want to experience how we work before committing further. The Retirement Architecture Plan (starting at $6,000, depending on complexity) is the full build: a comprehensive design of how your income, investments, and taxes work together for the next 20–30 years. Most clients start there. Ongoing Planning (starting at $650/month, depending on complexity, 12-month minimum) keeps your strategy current year-round with scheduled reviews, continuous monitoring, and direct access to Trent. If you start with a Focused Session, your $1,250 applies as credit toward the Architecture Plan within 30 days.

Absolutely — and we prefer it. Tax planning and retirement planning don't live in separate boxes. We coordinate directly with your CPA on Roth conversion timing, year-end tax projections, and withdrawal sequencing. If you have an estate attorney, we'll make sure your beneficiary designations, trust structures, and wealth transfer strategy are aligned with your income and tax plan. We're the connective tissue between the professionals you already trust.

You get a custom service calendar — not a generic quarterly check-in. We schedule reviews around the decisions that matter: pre-year-end tax planning, Roth conversion windows, RMD calculations, Social Security timing, and any life changes that affect your plan. Between scheduled reviews, you have direct access to Trent for questions as they come up. Think of it as having a financial co-pilot on retainer.

Get Started

Let's see if we're a fit

The first conversation is always free. No pitch, no pressure — just an honest discussion about where you are and how we might help. Pick a time that works for you.

Schedule Your Free Intro Call
"Flat Fee" is a marketing name used by Corso Wealth. The financial professionals with Corso Wealth are investment adviser representatives with Savvy Advisors, Inc. ("Savvy Advisors"). Savvy Advisors is an investment advisor registered with the Securities and Exchange Commission ("SEC"). Corso Wealth is a DBA of Savvy Advisors and is not separately registered. All advisory services are offered through Savvy Advisors. For information about Savvy, visit our website: www.SavvyWealth.com. For more information about Savvy's investment advisory business, please see our Form ADV and Form CRS.