Services

Three ways to work together.

Each 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.

Ongoing planning

Planning & investment management · The continuing relationship

From $1,000/yr

1.50%–0.75% blended
no asset minimum
billed monthly

A one-time plan is a snapshot of where you are right now. Life won’t stay there. This is what keeps the plan current instead of going stale: two reviews a year, a rewritten plan annually, and a direct line to Mathew in between: for the job offer, the strange tax form, the house you’ve now walked through twice.

This is the full relationship: Mathew knows your situation, tracks it over time, and is available when something comes up. Most clients start here when they want more than a one-time answer, when they want a relationship that holds over time.

A plan that evolves with your life instead of staying frozen the day you got it
Investments managed and rebalanced, so you don’t have to think about it
Tax questions surfaced before they become surprises
Email Mathew the day something comes up: you’ll hear back
Someone making sure nothing important has been missed
Starts at the same price as answering one question, except this covers all of them, for the whole year

First $250K	1.50%
$250K–$500K	1.25%
$500K–$1M	1.00%
$1M+	0.75%

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

From $2,500

flat fee · by complexity
exact figure in writing first

A complete 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.

The right fit for someone who wants a complete picture and a clear set of recommendations, but isn’t ready for or doesn’t need an ongoing relationship. Some clients start here and come back for ongoing planning later. Others take the plan and run with it. Either way is fine.

A complete written plan, in your words: yours to keep
One working session to build it, one meeting to walk through it
An honest accounting of where you are, and what’s worth addressing first
Every recommendation explained: what to do and why

One decision

Single-question project

From $1,000

flat fee · by scope
quoted in full before work begins

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, a job change with competing offers.

The scope is defined in writing before any work begins. You get a full written answer with the reasoning shown, a meeting to walk through it, and a follow-up once you’ve had time to think.

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

Fee transparency

What you pay is on the page above.

Koinos earns no commissions and no referral fees from any source. What gets recommended never affects what you pay. The complete fee disclosure is in Form ADV Part 2A, on file with the Idaho Department of Finance. CRD #342846.

Ongoing planning fees are billed monthly, at the end of the month, on a blended schedule: each tier’s rate applies only to assets within that tier, not to the full balance. Flat fees are billed at engagement.

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 →