FLAT-FEE FINANCIAL PLANNING IN NORTHERN NEW JERSEY
Flat-Fee Financial Planning for People Who Are Done Paying a Percentage of Everything They've Saved
No 1% fees. No commissions. Just straightforward planning from a CFP® and Enrolled Agent in northern New Jersey.
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About Cliff
I'm Cliff Brockmann, a CFP® and Enrolled Agent based in northern New Jersey. I spent nearly a decade at traditional firms watching disciplined people get overcharged simply because they followed the right advice and built real wealth.
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Who This Is For
You might be in one of these situations:
You have over $1 million saved and you're starting to do the math on what 1% a year is actually costing you. You want more than just someone managing your investments. You want a plan.
You're a high earner who hasn't hit a million yet but has real questions. Should you buy or rent? What do you do with your HSA? How should you be thinking about life insurance? Every AUM advisor has passed on you because the assets aren't there yet. That shouldn't mean you can't get good advice.
You have money in more places than just investment accounts. Real estate, insurance policies, a business. You want someone who will look at the whole picture and give you unbiased advice, not just hunt your investable assets.
Somewhere along the way you were sold an annuity, a whole life policy, or another product you never fully understood, and you suspect it doesn't fit you. You want a straight answer on what it actually costs, what it actually does, and whether to keep it, fix it, or unwind it.
Why a Flat Fee Works in Your Favor
Most advisors charge a percentage of everything you have invested, so the more you save, the more you pay, even when the work stays the same. I do it differently. You pay one flat monthly fee for advice, and you always know exactly what it is.
Predictable by Design
Your cost never climbs just because your portfolio grows. You always know exactly what you're paying.
Advice for Your Whole Life
My only incentive is the best advice for your full picture, including your taxes, your real estate, or your business.
Your Money Keeps Compounding
Every dollar you don't pay in percentage fees stays invested and keeps working for you.
On a $1 million portfolio, a 1% fee is $10,000 a year. Keep that money working for you instead, and the difference adds up fast.
What You Get
Clear, independent financial advice from a CFP® + EA who understands your entire financial life.
A Single Advisor Who Knows Your Whole Picture
No handoffs. No junior planners. You work directly with a CFP® + EA who connects your taxes, investments, and retirement decisions.
Want to see how these credentials shape the way I actually manage money? Read my investment philosophy.
Tax-Integrated Planning
Every recommendation is built with taxes in mind: Roth conversions, withdrawal strategy, capital gains planning, equity comp guidance, and Medicare/IRMAA considerations.
A Plan You Actually Use
A living plan that updates as your life changes: retirement, investments, insurance, cash flow, and major life decisions.
Ongoing Advice When You Need It
Email, video, phone, or in-person appointments without extra fees. You get answers when decisions come up, not once a year.
Investment Management Without AUM Fees
Portfolio design, monitoring, and rebalancing are all included in one flat monthly fee. No percentages. No hidden incentives.
How It Works
Mutual Fit Meeting
A conversation to understand your situation and whether this is a good fit. No pressure, no pitch.
Onboarding Meeting
We go through your full picture. Taxes, investments, retirement timing, cash flow, insurance, estate. You leave with clarity on what actually matters for your situation and what we'll focus on first.
Your Plan and Ongoing Support
Clear recommendations, a written plan, and a long-term partner who keeps you on track as life changes. All for a flat monthly fee.
What Clients Say
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Flat-fee financial planning for people who want straight answers.
No pressure. Just a conversation to see if this makes sense for you.
Schedule a Meeting