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Fiduciary | Independent CFP® | Personalized Service

Comprehensive Financial Planning

Build Wealth With Intentional Design



Building Wealth by combining

Personal Finance + Intentional Design


Intentionality within personal finance can mean different things to different people. For some, it's simply being more conscious about where their money is going. For others, it's being more strategic and calculated in their steps towards wealth accumulation. We are here to help you regardless of your intentions. 

At Lucid Wealth Planning, you'll have access to our client portal from your PC or mobile device at any time, see your progress and tasks on a daily basis, and receive real-time recommendations to help bring intentionality to every financial decision. 



No Commissions Raleigh, NC Lucid Wealth Planning

Fee-Only: 

No Commissions, Referral Fees, or Sales Pitch

At Lucid Wealth, you call the shots. By aligning our success with your success, we’re ensuring you receive unbiased, honest financial advice that is never influenced by commissions or referral fees.

Fiduciary Service

Our firm is built to provide you with sound financial planning under a Fiduciary oath. We aren’t making money on the side at the expense of giving you the best advice possible. Instead, what you pay is what we make - and nothing more. Your best interest is our best interest. 


No Hidden Agendas

Trusting a financial advisor is trusting an individual with the fate of your financial future. Be sure you’re putting that trust in a firm that views you as a unique individual with pressing financial concerns, not just another net worth used to build their business.



Building Wealth With Specialized Focus in...


Net Worth Analysis

Evaluation of all assets and liabilities. This analysis is the best representation of your financial wellness


What services can you expect?

Tax Planning

We help to minimize current and future income taxes as a part of your overall financial planning picture.


What services can you expect?

Cash Flow Planning

Review of income, expenses, and current debt holdings to prioritize how surplus should be used.


What services can you expect?

Employee Benefits Review

We'll analysis and review your options, helping you to maximize the benefits available.


What services can you expect?

Insurance Review

Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile insurance.


What services can you expect?

Student Loan Analysis

Strategic planning for debt repayment, IDR and PSLF review, maximizing forgiveness, and/or evaluating consolidation and other refinancing options.


What services can you expect?

Retirement Planning

Retirement planning for those accumulating assets, preparing for the retirement transition, and currently in retirement. 


What services can you expect?

Estate Plan Review

Analysis of your current estate plan, which may include whether you have a will, powers of attorney, trusts, and other related documents.


What services can you expect?

Day-to-Day Inquiries

Examples include purchasing a new home or other large purchase, financial considerations of getting married, and strategies for paying down debt.


What services can you expect?


(All Planning is CUSTOMIZED TO YOUR NEEDS)


Our Fee Schedule


Financial Planning

(No Minimum Balance or Net Worth Requirements)


~ FEE RANGE~

Initial Planning: $495 -$1495

Annual Fee: $1,800 - $3,240/yr


This service is personalized to your unique circumstances, goals, and objectives. Comprehensive Financial Planning does not include investment management.

Client enrolled in Comprehensive Financial Planning gain access to investment management services at the following discounted fee schedule:

Investment Management Preferred Rate**

$1+ = 0.30%


* The fee range is based on complexity, considering factors such as income, proximity to retirement, number of household members, number of long-term debt obligations, real estate holdings, estate plan considerations, employer retirement plan balances, insurance policies, and other incentive compensation. 

**Preferred rate applies to clients engaged in ongoing financial planning. For example, an account valued at $100,000 would pay a fee of 0.30% resulting in an annual fee of $300. The quarterly fee calculation would be: $100,000 x 0.30% = $300 / 4 = $75



Wealth Management

(Minimum Investment Balance of $500,000)


~FEE RANGE~

First $500,000 = 0.95%

Everything Over $500,000 = 0.30%


Our Wealth Management service combines comprehensive financial planning with investment management under one simple billing structure. The minimum investment balance requirement is $500,000. 


* For example, investable assets valued at $1,000,000 would pay a fee of 0.625%, resulting in an annual fee of $6,250. The quarterly fee calculation would be: (($500,000 x 0.95%) + ($500,000 x 0.30%) = $6,250) / 4 = $1,562.50

Have a Question?

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