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You don’t have to figure out money alone.

A fee-only, fiduciary financial planning firm in Boise, Idaho.

Read the fee schedule

Free, thirty minutes. Nothing to prepare.

A note from Mathew

Maybe you’ve been told you’re not far enough along yet to be worth an advisor’s time.

You shouldn’t have to be wealthy to get a straight answer about your money.

I built Koinos for everyone who’s still getting there. I spent years working in and around nonprofits, where I got to know a lot of careful, capable people who had real questions and nowhere good to take them. So did I. None of us had enough money for a traditional advisor to want us.
That’s the firm I wish any of us could have called. I went back for a master’s in financial planning, then set Koinos up as a fee-only fiduciary: I’m legally held to your interests first, and I’m paid only by you, never on commission. It helps with whatever money question is in front of you now, at whatever size your life actually is.
You’ll get a plan you can actually read. Written in plain language and explained until it makes sense to you. Nobody hands you a login and walks away. And no minimum to get in the door.
Most advisors set a minimum before they’ll return a call. Koinos doesn’t. The decisions that shape a household’s financial direction get made years before there’s a large portfolio to manage, and those are the decisions most worth getting right.
Bring the question you’ve been sitting on. We’ll start there. Mathew Eardley Founder & Advisor
Mathew Eardley, Founder & Advisor at Koinos Financial
Who it’s for

The people Koinos is built for.

You might look very different from the next Koinos client. What you share is this: you chose your work on purpose, and the questions have turned into a research project you didn’t sign up for.

Capable, but not sure where to start.

That 401(k) from your last job is still sitting in whatever it defaulted to on day one. You’ve wondered whether you’re even far enough along to call an advisor. That question is what the first call is for.

Doing okay, but it’s gotten complicated.

A salary that’s simple enough on its own, plus something else (equity, a bonus structure, a side business) that isn’t. You’ve started wondering if you’re leaving money on the table, or just making this more complicated than it needs to be. Probably both, and that’s worth an actual answer.

Building something that matters more than it pays.

Teaching, nonprofit work, public service, a small local business. You chose it on purpose and you’d choose it again. You’d also like the money you do make handled as carefully as anyone’s.

Something just changed.

A new job that changed everything, an inheritance, a divorce, a death. The financial picture that made sense six months ago doesn’t anymore. You need someone who can help you see what’s actually in front of you and what to do first.

How it works

What working together actually looks like.

No sales pitch anywhere in this process.

A conversation.

A free thirty-minute call, nothing to prepare beforehand. You tell Mathew what’s going on; he tells you honestly whether he can help. If he’s not the right fit, he’ll say so and point you somewhere better.

A plan you can read.

If it’s a fit, you get a written proposal with a fixed fee, and you approve it before any work starts. Then the plan gets built, in language you can check yourself.

You decide what’s next.

Take the plan and run with it, or stay on for ongoing planning so it stays current. There’s no pressure to keep paying for help you don’t need. Every client keeps direct access to the same person who built their plan, with no hand-off to a team and no line to wait in.

Services & fees

Three ways to work together, and exactly what each one costs.

Every engagement starts with a fixed scope and a written fee you approve before anything begins. What gets recommended never changes what you pay: that’s what it means to be fee-only.

You’re billed monthly, after the month ends, based on the assets Koinos manages for you. The rate is blended, so each tier’s percentage applies only to the assets within it, not your whole balance. There’s a $1,000/year minimum, but no minimum account size to start. For example, $50,000 in managed assets comes to $750 at 1.5%, so you’d pay the $1,000 minimum instead.

One-time plan

Complete plan, single engagement

A full written plan: cash flow, debt, insurance, investments, taxes, and whatever decisions are in front of you this year. It’s yours once it’s done, and nothing about it obligates you to come back.

  • A complete written plan in plain language, yours to keep
  • A second meeting where Mathew walks through every recommendation until it makes sense
  • An honest accounting of where you are and what’s worth addressing first
  • Every recommendation explained: what to do and why
Your cost From $2,500 Flat fee · by complexity
Exact figure in writing first
This is a single flat fee, agreed in writing before any work begins. The exact figure depends on the complexity of your situation: how many accounts, whether there’s equity compensation or self-employment income, how much planning is actually needed. You’ll see the number in writing before committing to anything.

One decision

Single-question project

One question, taken all the way to an answer: an equity package vesting, a pension you can take as a lump sum or a monthly check, a home purchase, an inheritance you’re not sure what to do with.

  • The question scoped in writing before any work begins
  • A full written answer with the reasoning you can check yourself
  • One meeting to walk through it, one follow-up once you’ve had time to think
Your cost From $1,000 Flat fee · by scope
Quoted in full before work begins
This is a single flat fee for one specific question, scoped and quoted before any work begins. The fee reflects how much work the question actually requires, not a percentage of anything you own. You pay once, get a full written answer, and there’s no ongoing commitment.

Ongoing planning fees are billed monthly, at the end of the month, on a where each tier’s rate applies only to the assets within it. Flat fees are billed at engagement. Complete fee disclosure is in .

A blended fee means each pricing tier’s rate applies only to the assets within that tier, not to your whole balance. On $300,000 managed: the first $250,000 is charged at 1.50%, the next $50,000 at 1.25%. You never pay the higher rate on your full balance just because you crossed a threshold.
Form ADV Part 2A is the formal disclosure brochure every registered investment advisor files with regulators: it covers fees, services, conflicts of interest, and disciplinary history in detail. Read the full document → (opens as a PDF)
Whatever you pay Koinos is noted here. The firm earns no commissions and no referral fees from any source, and what you pay never changes based on what gets recommended.

The first call is thirty minutes and costs nothing.

Tell me what's in front of you. If the fit is good, a written proposal follows. If it isn't, I'll tell you and point you somewhere better.

A person to walk with you, year after year.

Have questions first? Read the FAQ →