Aptus Financial 

Aptus is a little weird in this industry.

We don’t sell anything. We don’t keep a percentage of your money. We charge flat fees. We think being a doctor does not necessarily guarantee wealth. We want you to know enough to fire us but be wise enough not to. We think investing is easier than you realize. We think financial planning is harder than you expect.

We act as your trusted financial translator to educate you about this bizarre financial system in our country. We will be your coach and your cheerleader as you learn new concepts, enact your plan, and accomplish your goals. We will help you build a financial plan built on three pillars relevant to high income professionals: cash flow management, contingency planning, and investments.

Our process is to understand you, teach you, prompt you (we love to-do lists), and then…we will kindly pester you. We will be your benevolent and persistent accountability partner to encourage and assist you to actually turn your goals into your reality.

For that to work, we only want to partner with you over the long-term. One-time plans have not provided the impact our clients desire. Life is too dynamic for static plans. We want to be there for you when you change jobs, when new investment opportunities arise, when kids are born and loved ones die, when disability or illness knocks unexpectedly, when the new HR benefits package is indecipherable, or when grinding it out until 65 suddenly feels untenable.

If you value learning, accountability, joy, and relationships, we’d love to schedule an introductory call with you. We intend to excite you, delight you, and engage you in your financial life in a way that you won’t just find immediately useful but that you will find genuinely interesting and ultimately transformative.

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Fee Structure:

Aptus’s service includes processes to help our clients develop their plan, implement their plan and update their plan. While each process is priced and charged separately, as shown below, the Aptus service is integrated and the individual processes are not offered ala carte.

Initial Process:

  • Comprehensive Plan – $3,480 plus a recommended minimum of 12 months of AptusCare or AptusCare Enhanced ongoing planning support and at least the first annual review
  • Enhanced Comprehensive Plan – $4,640 plus a recommended minimum of 12 months of AptusCare or AptusCare Enhanced ongoing planning support and at least the first annual review

Ongoing Support:

Financial planning is an ongoing process and we do not believe one-time plans are effective. We ask our clients to commit to at least one year of ongoing support and at least the first annual review, and most of our clients stay with us much longer.

  • AptusCare – $193 per month
  • AptusCare Enhanced – $314 per month
  • AptusCare Limited – $97 per month (not available until after the first annual review)

Annual Reviews (for existing clients only):

  • Annual Review – $1,160 per year
  • Enhanced Annual Review – $1,740 per year

Introductory Call ~30 minutes, free