Client Services & Fees

Tailored to your needs. No hidden costs. No surprises.

At Omaha Wealth Management, our pricing is designed to be easy to understand and tailored to the level of guidance you need. Whether you're looking for full-service wealth management, a comprehensive financial plan, or hourly advice, we provide flexible options that support your financial life and long-term tax strategy.

Financial Planning: Fee-For-Service / Hourly

Starts at:
$215/month • $640/quarter • $2,500/year

Our financial planning program provides ongoing access, structured guidance, and a deep-dive planning process designed to give you clarity and confidence.

Includes:
+ Three initial planning meetings
+ Behind-the-scenes strategy development from our team of three CFP® professionals and licensed staff
+ Annual planning meetings after the first year (for ongoing client relationships)
+ Year-round access to our team via email, phone, or text for investment and planning questions

Hourly Rate Thereafter: $300 Per Hour

Visit Wealth Strategy and Meeting Process Page

Visit Full List of Services Page

Visit Wealth Strategy Tools Page

See Sample Financial Plan Summary

Comprehensive Tax Strategies (via Holistiplan)

Deep tax analysis designed to identify strategies, opportunities, and planning efficiencies.

Tax Return Upload & Analysis: $500

Includes:
+ Strategy-driven Holistiplan report
+ One-hour review meeting to walk through tax opportunities
+ Works in conjunction with a licensed tax professional

See Sample Tax Report

Investment Management

Advisor Fee: Starts at 1% annually on a declining scale as indicated below

My Advice Architect Fee: Starts at 0.25% annually on a declining scale as indicated below

Client Fee Based on Assets Under Management (AUM):

$25k-$1M AUM: 1.25%
$1M-$3M AUM: 1.00%
$3M-$10M AUM: 0.75%
$10M+ AUM: 0.50%

(Clients in Manager or Unified programs will may a manager fee, based on selected manager)

Our investment management service provides a structured, research-driven approach supported by Cetera’s CFA team, Morningstar, and Seeking Alpha.

Includes:
+ Two initial meetings to gather asset information and implement your investment strategy
+ Ongoing portfolio management & asset allocation
+ Annual review meetings after the first year
+ Year-round access to our team for investment-related questions

Commission-Based Products (When Applicable)

Some financial needs are best met through commission-based solutions.

Includes:
+ Life insurance products
+ Annuity products
+ Recommendations used when aligned with a client’s financial plan (Insurance solutions and strategies)
+ Applied when asset minimums ($25,000) are not met or when insurance-based solutions are more appropriate
+ Commission: One-time; varies by product.

*Commission-based products are utilized for life insurance and specific annuities that align with a client's financial plan, or if asset levels do not meet the minimum requirements

Pricing & Services — FAQ

1. What’s the difference between Financial Planning and Investment Management?
Financial Planning provides ongoing guidance, strategy development, and annual reviews focused on your entire financial life — cash flow, retirement planning, taxes, insurance, and more.
Investment Management is focused specifically on managing your portfolio, asset allocation, and investment strategy.
Many clients choose both, but you can select either service based on your needs.

2. How does your monthly financial planning fee work?
Our planning fee can be paid monthly, quarterly, or annually. The first year includes three initial planning meetings and multiple hours of preparation from our CFP® team. After that, you receive annual review meetings plus ongoing access for questions throughout the year.

3. Do I need a minimum amount of assets to work with you?
Yes. Investment Management requires a minimum of $25,000 in assets.
Financial Planning and other services (tax and estate planning)_Q4,Q5 have no asset minimums, making them accessible for clients at any stage.

4. Is tax advice included in financial planning or investment management?
Tax analysis and strategies are available through Holistiplan for an additional charge, in addition to other financial planning services.
General tax strategy guidance for investing is included in planning conversations, but we coordinate with your tax professional for implementation.

5. Can you help create estate planning documents?
Yes, in coordination with estate planning attorneys, clients can create estate planning documents (wills, trusts, POA, directives). We provide guidance and a navigation while working with the attorney.

6. Do you offer one-time planning or hourly support?
Yes — after your initial planning process, additional work can be done at $300 per hour.
Some clients use this for stand-alone projects such as Social Security planning, Roth Conversions college planning, insurance review, or retirement income strategy.

7. How do I know which service level is right for me?
If you want ongoing, holistic guidance across all areas of your financial life, Financial Planning is typically the best fit.
If your primary need is professional portfolio management, Investment Management is appropriate.
If you need help with tax or estate planning, those services can be added individually.

8. Are commissions ever used in your practice?
Only when appropriate — such as certain life insurance or annuity products that support a client’s broader plan or when asset minimums are not met. We disclose costs clearly and discuss options before recommending any commission-based solutions.

Which Option is Right for You?

Financial Planning (Fee-For-Service)

Best for individuals and families who want comprehensive support across all areas of their financial life.

Ideal if you want a personalized plan covering retirement, tax strategies, investments, and more
Provides ongoing access to advisors throughout the year
Predictable service-style pricing
Great for those not ready to move investment assets

Investment Management (AUM)

Best for those who want professional portfolio management with integrated planning support.

Investment strategy built and monitored by a CFA-led research team
Tax-efficient portfolio management for non-qualified accounts
Includes annual investment meetings
Ideal for delegators who want portfolio oversight year-round

Stand-Alone Services

Best when you need guidance with estate document creation and advanced tax strategies.

Estate documents (Wills, Trusts, POA), tax reports, and strategy sessions (in coordination with attorney and/or CPA)
Pay only for the service you need — no ongoing fee
Perfect for targeted needs like estate updates, tax analysis, or insurance reviews
Works well for DIY investors or those with an existing advisor

Ready to Talk Through Options

Choosing the right pricing model is easier with guidance. Whether you want a full financial plan, professional investment management, or help with a specific project, we’re here to make the decision simple and personalized.

Schedule a Consultation

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Investment Advisers LLC, advisory services agreement and Disclosure Brochure, as provided. MAA Advisory Program will be used. Financial Planning & Consulting may be a complimentary no obligation service based on AUM provided to new and existing advisory clients. Financial Planning & Consulting Services is completed through a separate agreement from the Investment Management Services agreement. Please refer to firm's ADV Part 2A and the client's agreement for additional platform, strategist or any related fees that may apply.

In addition to fees paid for advisory services with respect to your investment in mutual funds, you may pay additional mutual fund expenses, including management, trading and marketing fees. Mutual fund expenses, 12 (b)1 fees, and any deferred sales charges are fully disclose in the mutual fund prospectus.

Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them. For a customized review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services LLC nor any of its representatives may give legal or tax advice.

Transparent Pricing for Financial Planning & Wealth Management