The best flat-fee financial advisors in 2026 are Nino, Facet, Domain Money, Range, Harness, and Garrett Planning Network. The fastest way to choose is to decide first whether you need tax filing included in the fee. Nino, Facet, Domain Money, and Range sell annual memberships at published prices. Harness matches you with outside firms that set their own fees. 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, with links in the Sources line under the tables.
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. Verify prices on each site. Figures below were checked 2026-09-25.
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. A lower sticker price can cost more in total if you still have to hire a separate tax preparer. 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 CFP, 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. On 2026-09-25 Facet also showed limited-time prices below list. Included: CFP planning and investment management on every tier; Plus and Complete add a certified tax professional who prepares and files your taxes. Best fit: a CFP 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 CFP, 0% AUM investment management, and coaching sessions by tier; 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 CFP 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, but 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 | Fee shape | Published cost (2026-09-25) | Tax filing included? | Minimum |
|---|---|---|---|---|
| Nino | Software monthly + Advisor flat | Software $20 to $200/mo; Advisor $3,600 / $4,800 / $12,000/yr | Yes, federal and state on every Advisor plan (in-house CPA) | Not asset-based |
| Facet | Annual membership | Core $2,600; Plus $5,500; Complete $8,700 (list; $300 enrollment waived annually) | Plus and Complete only | None stated |
| Domain Money | Annual membership, lower renewal | Essential $3,900/$2,900; Strategic $5,200/$4,200; Comprehensive $9,000/$8,000 | Strategic (2 states) and Comprehensive, via Taxfyle | None stated |
| Range | Annual membership | Premium $3,950; Platinum $5,950; Titanium $12,500 | Titanium only (3 states, 10 K-1s before extra fees) | None stated |
| Harness | Free matching; firm sets fee | Not published; firms charge AUM or a flat planning fee | Depends on the matched firm | Set by the firm |
| Garrett Planning Network | Hourly or project fee | Rates vary by member; firm estimate after a no-obligation first meeting | Not stated | None |
How they compare on credentials and fit:
| Provider | Planner credential | Best fit | Tradeoff |
|---|---|---|---|
| Nino | In-house CPA + CFP | Planning + filing on 1 team, or software first | Does not manage your investments |
| Facet | CFP | CFP membership with investment management | Filing starts at $5,500 list |
| Domain Money | CFP | Long CFP relationship, lower renewals | Filing starts on the $5,200 tier, via a partner |
| Range | CFPs and CFA charterholders; CPAs on Platinum and up | Investments, equity, estate, and tax in 1 place | Filing only on the $12,500 tier |
| Harness | CPA-led tax firms; vetted planners | Business owners choosing a specialist firm | No single published price; Harness is paid by firms |
| Garrett Planning Network | CFP or CPA/PFS (or in progress, 5-year window) | One-time plans or occasional check-ins | No ongoing membership; cost varies by member |
Sources: Nino pricing, Facet pricing, Domain Money pricing, Range pricing, Harness for individuals, Harness wealth, Garrett Planning Network services, Garrett Planning Network FAQs. Verify on each provider’s site. Not personalized advice.
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. At a flat 1%, a $500,000 portfolio costs $5,000 a year, a $1,000,000 portfolio costs $10,000, and a $2,000,000 portfolio costs $20,000. Nino Advisor Essential stays $3,600 a year at every balance, so the gap is $1,400, $6,400, and $16,400 a year. Below $360,000, a 1% fee on the portfolio alone is smaller than $3,600. Those figures are fee math on an illustrative balance, not a claim about typical advisory clients.
The comparison is not like for like. 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. On the other side, 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. If you want it 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. If you want investment management bundled, Facet, Domain Money, and Range include it. If you want to pay only when you have a question, Garrett Planning Network members bill hourly.
Then compare renewal math. Domain Money Strategic is $5,200 plus $4,200, or $9,400 over 2 years, with federal and up to 2 state returns through its Taxfyle partner. Nino Advisor Essential is $7,200 over 2 years with filing. Facet Plus is $11,000 over 2 years at list with filing. Range Titanium is $25,000 over 2 years with filing. Those totals assume unchanged list prices and no extras.
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 is $3,600 a year with a dedicated in-house CPA and CFP, federal and state filing, and Ultra software. Plus is $4,800 and adds joint and multi-state filing. Premier is $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 CFP team later on the same account. Advisor plans carry a 30-day money-back guarantee. See Nino pricing for current tiers.
The tradeoff: Nino does not manage your investments. If you want a firm to pick and rebalance your portfolio as part of the fee, Facet, Domain Money, or Range bundle that. 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 CFP and investment management at the lowest published entry price and will file taxes yourself or elsewhere. Core is $2,600 a year at list, below Nino Advisor Essential, and includes planning meetings and portfolio management. Plus at $5,500 adds tax preparation and filing by a certified tax professional.
Domain Money
Pick Domain Money when you expect a multi-year CFP relationship and value lower renewal pricing. Essential renews at $2,900 a year and includes 0% AUM investment management. Choose Strategic ($5,200, then $4,200) if you want a federal return and up to 2 state returns filed through its Taxfyle partnership, or 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 at $5,950 adds tax projections, estate documents, and RSU, NSO, and ISO planning. Titanium at $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. Ask each firm for its fee in writing, since some charge AUM and some a flat fee.
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 CFP 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.