Build your team of specialists. Here’s who you need, what they should cost, and exactly how to tell a great advisor from an expensive one.
CPA / Tax Strategist
TYPICAL COST
$1,500–$5,000/yr for proactive planning; $400–$1,200 per return
WHAT TO ASK
Do you do proactive planning, or just file returns?
How do you bill — flat fee or hourly?
How many clients like me do you serve?
A GOOD ANSWER SOUNDS LIKE
“We map your strategy before year-end and quote a flat annual fee — no surprises at filing.”
Estate Attorney
TYPICAL COST
$1,500–$4,000 for a full will & trust package
WHAT TO ASK
Do I need a revocable trust, a will, or both?
Is this a flat fee for the full package?
Will you coordinate with my CPA and advisor?
A GOOD ANSWER SOUNDS LIKE
“A flat-fee package covering your trust, POA, and healthcare directives, reviewed every few years.”
Insurance Broker
TYPICAL COST
Commission-based; term life often $30–$70/mo per $1M
WHAT TO ASK
Are you independent, or captive to one carrier?
Term vs. whole life for my needs — and why?
How exactly are you compensated?
A GOOD ANSWER SOUNDS LIKE
“Independent, quotes several carriers, and recommends term unless there’s a clear reason not to.”
Fee-Only Fiduciary
TYPICAL COST
~1% of assets, or a $2,500–$7,500/yr flat retainer
WHAT TO ASK
Are you a fee-only fiduciary 100% of the time?
Do you earn commissions on any products?
Flat retainer or a percentage of my assets?
A GOOD ANSWER SOUNDS LIKE
“Fee-only, fiduciary always, paid a flat retainer — no product commissions, ever.”
Reach Out
Each specialist on my private list has been interviewed and meets every standard above. Available to active members — request access and I’ll share the right names for your situation.