Flat Fee Financial Planner in Springfield, MO

Vance Financial Planning is a fee-only fiduciary in Springfield, MO working with clients in the Ozarks and nationwide. Retirement planning and investment management services are offered for transparent, flat fees. I specialize in answering questions like:

When should I claim social security?

Am I in a good position to retire in five years?

How do I take income from my investment accounts?

Is this level of retirement income sustainable?

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

How much of my social security benefit is subject to taxes?

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

How should my investments be allocated in retirement?

One Advisor, But Not Alone

I stay current on financial planning through continuing education and discussions with other advisors I've met through my professional affiliations.

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

Credentialed.

As both a CFP® Professional and an Enrolled Agent (EA), I have formalized education in planning & income tax.

Transparent.

I am a fee-only fiduciary. I do not receive kickbacks, referral fees, or commissions. My flat fees are displayed on the pricing page of this site.

Focused.

I specialize in the complexities of modern retirement planning. My ideal clients are planning for or already in retirement.

Proactive.

I have a cap on how many relationships I can serve. You can expect proactive advice and timely responses when working with me.

Flat Fee, Tax Focused Retirement Planning