Flat Fee Financial Planner in Springfield, MO

What Vance Financial Planning Does

Vance Financial Planning provides comprehensive financial planning and investment advisory services with an emphasis on long-term tax management. The firm specializes in serving individuals and couples who are nearing or already in retirement.

Key Planning Areas Include

Proactive Tax Planning
‍By reviewing your personal tax situation variables such as age, income sources, financial accounts, and charitable wishes, we'll create a tailored tax mitigation strategy for now and the future.
Investment Advice and/or Investment Management
‍Whether you want to manage your own investments or have me do it for you, we'll design a tax-efficient investment plan uniquely for you.
Retirement Income Planning
‍Once we determine your how your retirement lifestyle looks, we’ll build a strategic withdrawal plan to generate reliable income from your accounts and adjust it as your life evolves.
Risk Management
‍Nobody wants to be blindsided. By stress-testing your plan against potential risks, we'll create a proactive mitigation strategy that minimizes uncertainty and protects your long-term goals.
Ad Hoc
‍I don't mind reading IRS Publications, creating spreadsheets, and formulating unique strategies for unique situations. Have a burning money question? Just ask, I'm happy to see if I can help.

Questions I Can Help You Answer

Can I spend more from my savings?

Should I be making Roth conversions now, later, or never?

What changes should I be making now to prepare for retirement?

When should I claim Social Security benefits?

How do I pay taxes once I'm retired?

How should my savings be invested during retirement?

How do I take inome from my investment accounts?

Do increased Medicare premiums (IRMAA) matter in my retirement plan?

Am I in a good position to stop working in five years?

See How I Can Help

Small Firm, Vast Resources

Part Of Financial Planning's Independent Future

Vance Financial Planning is part of a larger (and growing!) network of independent, fee-only financial planning firms in the United States.

I am proud to be actively engaged with member advisors in the below organizations who are committed to improving the financial planning profession for our clients.

Complex Planning, Simple Investments

I utilize a straightforward, fee conscious, and tax-efficient approach to investment management. Client portfolios are typically built with broadly diversified exchange traded funds (ETFs) and/or passively managed mutual funds.

Wealth management client assets are securely held at Charles Schwab.

See disclaimer below.

How I'm Different

Typical Advisor

Percentage fees and/or commissions
May not be a fiduciary at all times
No formal financial education required
No tax planning
Always looking for new clients
General financial education

Vance Financial Planning

Transparent, flat fee pricing
Fee-only fiduciary
CFP® & EA
Tax focused planning
Limit on client capacity
Tailored advice

About The Firm

Vance Financial Planning is a fee-only fiduciary firm in Springfield, Missouri working with clients right here in the Ozarks and nationwide.

I started this firm because I have a specific view of how businesses should treat people. Everything I've built up to this point, and with each business decision moving forward, I ask myself one question: Is this good enough to refer my own friends and family to?

I’m a big believer in seeking wisdom from those who have walked the path before me. Here is one of my favorite pieces of wisdom that helps to guide my decision-making process both as an individual and as your advisor, from Charlie Munger:

"Determine value apart from price; progress apart from activity; wealth apart from size."

Learn More About Your Financial Planner

Flat Fee, Tax Focused Financial Planning & Wealth Management