The best flat-fee financial advisors in 2026 are Nino, Facet, Domain Money, Range, Harness, and Garrett Planning Network. Published annual prices, checked September 25, 2026, run from $2,600 (Facet Core) to $12,500 (Range Titanium), and Nino Advisor is $3,600 a year with federal and state filing included.
The fastest way to choose is to decide first whether you need tax filing included in the fee.
- Annual memberships at published prices: Nino, Facet, Domain Money, and Range.
- Matching service: Harness matches you with outside firms that set their own fees.
- Hourly: Garrett Planning Network members bill by the hour.
For financial planning, tax, or both, Nino is the clear choice.
Nino publishes this list and appears on it. Every competitor figure below comes from that company’s own pricing or service page: Facet, Domain Money, Range, Harness, and Garrett Planning Network.
This page covers what counts as flat fee, a short entry per provider, a side-by-side table, illustrative fee math against a 1% advisor, a decision rule, and fit notes for every provider.
What counts as a flat-fee financial advisor?
A flat-fee financial advisor charges a stated dollar amount (a yearly membership, a project fee, or an hourly rate) rather than a percentage of the assets it manages. The fee does not grow when your portfolio grows.
That is the main difference from an assets-under-management (AUM) advisor, whose bill scales with your balance. See what a flat-fee financial advisor is for the full definition.
Flat fee describes how you pay. Fee-only describes whether the advisor also earns commissions on products. A firm can be both, and most on this list describe themselves that way. For the difference, see fee-only vs fee-based financial advisors.
2 details decide whether a flat fee is a good deal:
- Scope: does the fee include tax filing, investment management, and equity planning, or are those upgrades.
- Renewal: does the price change after year 1.
For broader pricing context, see how much a financial advisor costs.
What are the best flat-fee financial advisors in 2026?
Each entry lists the published fee, what is included, and the household it fits best. Prices are list rates seen 2026-09-25.
Nino
- Fee: Advisor Essential $3,600 a year, Plus $4,800 (adds joint and multi-state filing), Premier $12,000 (business and personal filing), billed annually. Software alone is $20, $100, or $200 a month.
- Included: a dedicated in-house CPA and financial planner, federal and state tax filing, and Ultra software. Final pricing may vary based on your financial complexity.
- Best fit: households that want planning and filing from the same team, or want to start on software first.
Facet
- Fee: Core $2,600 a year, Plus $5,500, Complete $8,700 at list, with a $300 enrollment fee waived on annual payment.
- Included: financial planning and investment management on every tier; Plus and Complete add a certified tax professional who prepares and files your taxes.
- Best fit: a financial planner membership with portfolio management, where filing can wait for a higher tier.
Domain Money
- Fee: Essential $3,900 in year 1, then $2,900; Strategic $5,200, then $4,200; Comprehensive $9,000, then $8,000.
- Included: a financial planner, 0% AUM investment management, and coaching sessions by tier.
- Tax filing: Strategic adds forward-looking tax projections and a federal return plus up to 2 state returns through Domain Money’s Taxfyle partnership (Domain Money says it is not a CPA or accounting firm); Comprehensive lists unlimited states.
- Best fit: a long financial planner relationship where lower renewal prices matter.
Range
- Fee: Premium $3,950 a year, Platinum $5,950, Titanium $12,500.
- Included: 0% AUM portfolio management and retirement planning on every tier; Platinum adds tax projections, equity compensation, and estate documents; Titanium adds personal tax filing.
- Best fit: higher-net-worth households that want investments, equity, estate, and tax under one membership.
Harness
- Fee: none published by Harness; matching is free with no obligation, and each firm sets its own fee (AUM or a flat planning fee).
- Included: introductions to CPA-led tax firms and financial planners.
- Best fit: business owners and complex filers who want to choose a specialist firm.
Garrett Planning Network
- Fee: hourly, or a fixed project fee derived from an hourly rate; rates vary by member.
- Included: fee-only, time-based planning with no income, asset, or net worth minimums.
- Best fit: people who want a one-time plan or occasional check-ins rather than a yearly membership.
For deeper single-provider comparisons, see Nino vs Facet, Nino vs Domain Money, Nino vs Range, and Nino vs Harness. If you already use Facet or Domain Money, see Facet alternatives and Domain Money alternatives.
How do Nino, Facet, Domain Money, Range, Harness, and Garrett Planning Network compare?
They all avoid charging a percentage of assets for advice. They differ on:
- whether tax filing is in the fee,
- who holds the credential, and
- whether you buy a membership or hours.
Prices are list rates seen 2026-09-25; promotions and custom quotes can differ.
| Provider | Price | Tax filing | Minimum |
|---|---|---|---|
| Nino | Software $20 to $200/mo, Advisor $3,600+/yr | Yes, every Advisor plan | Not asset-based |
| Facet | $2,600 to $8,700/yr | Plus and Complete | None stated |
| Domain Money | $3,900 to $9,000 (yr 1) | Strategic and up, via Taxfyle | None stated |
| Range | $3,950 to $12,500/yr | Titanium only | None stated |
| Harness | Not published | Depends on firm | Set by firm |
| Garrett Planning Network | Varies by member | Not stated | None |
How they compare on credentials and fit:
| Provider | Credential | Best for | Tradeoff |
|---|---|---|---|
| Nino | CPA + financial planner | Planning + filing, one team | No investment management |
| Facet | Financial planner | Financial planner + investment management | Filing from $5,500 |
| Domain Money | Financial planner | Long financial planner relationship | Filing from $5,200, via partner |
| Range | Financial planner, CFA, CPA | All-in-one planning | Filing only at $12,500 |
| Harness | CPA firms, vetted planners | Business owners | No published price |
| Garrett Planning Network | Financial planner or CPA/PFS | One-time plans, check-ins | Cost varies by member |
How much does a flat-fee advisor save versus 1% AUM?
A flat fee saves more as your balance grows, because a 1% fee scales with assets and a flat fee does not.
The comparison is not like for like:
- Investment management: a 1% advisor usually manages the portfolio, and Nino does not. Facet, Domain Money, and Range include investment management in their memberships at 0% AUM, though Domain Money discloses that its custodian Altruist may charge up to 0.12% on some model portfolios.
- Tax filing: a 1% fee rarely includes a filed tax return, while Nino Advisor does. Add the cost of a separate tax preparer to any plan that excludes filing.
To run your own numbers, use the AUM vs flat-fee calculator.
How should you choose a flat-fee financial advisor?
Answer 4 questions in order:
- Who will prepare and file your tax return: you, a separate firm, or the same team that builds your plan.
- Do you want ongoing access through a membership, or occasional hourly help.
- Do you want the advisor to manage your investments, or will you keep them where they are.
- What will the relationship cost over 2 to 3 years, including enrollment, renewals, extra states, and K-1s.
Tax filing narrows the list fastest:
- Filing included at the lowest published entry price: Nino Advisor at $3,600 a year is the only plan here that includes federal and state filing on its first tier.
- Investment management bundled: Facet, Domain Money, and Range include it.
- Pay only when you have a question: Garrett Planning Network members bill hourly.
When is Nino the best flat-fee financial advisor?
Nino is the best fit when you want financial planning and tax filing from the same people on one flat fee.
- Advisor Essential: $3,600 a year with a dedicated in-house CPA and financial planner, federal and state filing, and Ultra software.
- Plus: $4,800 and adds joint and multi-state filing.
- Premier: $12,000 and covers business and personal filing.
Nino is also the fit when you are not ready to hire an advisor. Software starts at $20 a month with a 7-day free trial and no credit card. You can build a plan and test decisions yourself, then add the Concierge CPA and financial planner team later on the same account.
Advisor plans carry a 30-day money-back guarantee. See Nino pricing for current tiers.
If your need is planning, tax, or both, Nino is the clear choice.
When is another provider the best fit?
Each peer on this list wins for a specific household. Here is when to pick each one over Nino.
Facet
Pick Facet when you want a financial planner and investment management at the lowest published entry price and will file taxes yourself or elsewhere.
- Core: $2,600 a year at list, below Nino Advisor Essential, and includes planning meetings and portfolio management.
- Plus: $5,500 adds tax preparation and filing by a certified tax professional.
Domain Money
Pick Domain Money when you expect a multi-year financial planner relationship and value lower renewal pricing.
- Essential: renews at $2,900 a year and includes 0% AUM investment management.
- Strategic ($5,200, then $4,200): if you want a federal return and up to 2 state returns filed through its Taxfyle partnership.
- Comprehensive ($9,000, then $8,000): for unlimited states and K-1 filings.
Range
Pick Range when you want investments, equity compensation, estate documents, and tax in one wealth membership.
- Platinum: $5,950 adds tax projections, estate documents, and RSU, NSO, and ISO planning.
- Titanium: $12,500 adds federal, state, multi-state, FBAR, and FATCA filing.
Harness
Pick Harness when you want to choose a specialist firm, for example for bookkeeping, payroll, or multiple entities. Matching is free with no obligation, and you meet firms before you sign.
Garrett Planning Network
Pick a Garrett Planning Network member when you want a one-time plan or occasional advice and no membership at all.
- Members are fee-only, bill hourly or by project, and have no minimums.
- You get a firm fee estimate after a no-obligation first meeting.
If hourly planning is your starting point, see Garrett Planning Network alternatives.
Book a walkthrough
If you want to see how Nino’s Concierge CPA and financial planner team would handle your plan and your return on one flat fee, book a consultation. Advisor plans include a 30-day money-back guarantee per Nino’s pricing page.