Whether you're just getting started or ready for a full planning relationship, LFA has a tier that fits where you are right now.
Traditional CFP advisors charge
$200–$400/ hr
Two hours alone runs $400–$800, before a written plan, follow-up, or ongoing access.
LFA Membership
LFA memberships start at
$75/ month
Standard rate. Founding member spots available from $50/month for the first 50 clients.
Jumpstart
The right place to start.
Get organized, build your foundation, and start tracking your financial life with Derek. One planning meeting per year, full portal access, and a quarterly personal letter. Perfect if you are just getting started and want to build the habit before going deeper.
Essential
The complete LFA experience.
Everything you need to build real financial momentum — a written financial plan, two planning meetings per year, full portal access, monthly personal letters from Derek, and a clear strategy for your debt, savings, and goals. This is where most LFA members start.
Growth
For clients with more moving parts.
For clients who are further along and want the deepest level of guidance. Three planning meetings per year, investment and retirement guidance, Monte Carlo retirement probability analysis, and What-If scenario modeling. Designed for clients who want more time and more depth.
Most LFA members choose Essential — it includes everything needed to build a complete financial plan and real momentum toward your goals.
All memberships begin with a free 30-minute consultation. No obligation.
One-Time Planning Session
"I want a real plan — two hours, total clarity, no ongoing commitment."
Two focused hours building your financial plan. A written plan, documented action items, and a follow-up meeting included. No subscription required.
Two hours with a CFP at standard rates runs $400–$800 for meeting time alone. At $1,500 all-in, the LFA One-Time Plan includes the session, a written financial plan, risk assessment, goal mapping, debt strategy, and a follow-up meeting.
LFA is offering founding member rates to our first 50 clients. Founding members lock in their reduced rate for 18 months from the date they join. After 18 months rates move to standard pricing with 60 days notice. Once 50 founding spots are filled, standard pricing applies to all new clients.
Founding clients get direct input into how the platform evolves, Derek's undivided attention as LFA grows, and rates that reflect the early-access opportunity. You'll receive 60 days written notice before any rate change — no surprises.
Standard: $75/month
Rate locked 18 months. Full portal access, one planning meeting per year, and a quarterly personal letter from Derek. The right place to build the foundation.
Standard: $125/month
Rate locked 18 months. The complete LFA experience — written financial plan, two planning meetings per year, monthly personal letters from Derek, and a strategy for your debt, savings, and goals.
Standard: $250/month
Rate locked 18 months. Three planning meetings per year, investment and retirement guidance, Monte Carlo probability analysis, and What-If scenario modeling. Derek's most intensive tier.
50 founding spots available. Once they fill, standard pricing applies to all new clients.
Request Founding Access| Feature | Jumpstart | Essential | Growth |
|---|---|---|---|
| Financial portal & dashboard | ✓ | ✓ | ✓ |
| Net worth & goal tracking | ✓ | ✓ | ✓ |
| Financial health score | ✓ | ✓ | ✓ |
| Financial analytics dashboard | ✓ | ✓ | ✓ |
| Personal letter from Derek | Quarterly | ✓ Monthly | ✓ Monthly |
| Quarterly advisor check-ins | ✓ | ✓ | ✓ |
| Dedicated advisor | ✓ | ✓ | ✓ |
| Written financial plan | — | ✓ | ✓ |
| Risk tolerance assessment | — | ✓ | ✓ |
| Debt & savings strategy | — | ✓ | ✓ |
| Annual plan updates | — | ✓ | ✓ |
| Retirement & investment guidance | — | ✓ | ✓ |
| Monte Carlo simulation (1,000 scenarios) | — | ✓ | ✓ |
| Employer benefit optimization | — | ✓ | ✓ |
| Equity comp & real estate planning | — | — | ✓ |
| Priority scheduling & proactive outreach | — | — | ✓ |
| Annual review | 2 hrs | 2 hrs | 2 hrs |
| Additional sessions per year | — | 2 × 60 min | 3 × 90 min |
| Monthly price (founding — first 50 clients) | $50 | $75 | $149 |
| Standard rate after 18 mo / 50 spots filled | $75 | $125 | $250 |
Add-On — All Tiers
Additional Planning Meetings
Every tier includes additional meetings beyond your annual allowance at a flat per-session rate. No hourly billing, no meter running. Just a predictable, fair price whenever you need more time.
LFA members who refer a friend or family member earn a free month of membership. Our way of saying thank you for trusting us enough to share the firm with someone you care about. No limit on referrals.
Share LFA
Tell someone you know about LFA. Send them the website or mention the free consultation. No formal process needed.
They become a client
When they sign up for any LFA membership, let Derek know. That's it.
You earn a free month
One free month credited to your account for every client you refer, regardless of which tier they choose.
Can I upgrade my tier later? —
Yes, anytime. Many clients start on Jumpstart or Essential and move up as their income grows or their financial life gets more complex. There's no penalty for upgrading. It just takes effect at the next billing cycle.
Is the free consultation really free? —
Completely. The 30-minute intro call has no cost and no obligation. It's just a conversation to see if LFA is the right fit before either of us commits to anything.
Why does the One-Time Plan cost $1,500? —
Because it's two hours of focused, prepared one-on-one advisory time plus a written financial plan, risk assessment, goal mapping, and a follow-up meeting. A CFP at standard rates would charge $400–$800 for the meeting time alone. At $1,500 all-in, it's a comprehensive service at a fair price.
Can I cancel my membership at any time? —
Yes — no long-term contract on any tier. That said, the clients who benefit most treat LFA as a long-term relationship. Financial plans compound in value over time, just like the investments they help guide.
When will LFA be accepting clients? —
LFA launches after Derek completes his CFP® certification. Book a free consultation now to learn more and get on the early interest list — first clients will be prioritized when the firm opens.
Small business owners have a CPA for taxes. What most don't have is someone thinking strategically about cash flow, owner compensation, profit allocation, and long-term growth.
LFA's fractional CFO service brings that lens to your business on a monthly basis — coordinated with your personal financial picture so everything moves together.
Monthly cash flow review and business financial reporting
Owner compensation and profit allocation strategy
Business goal tracking and growth planning
Personal and business finances coordinated together
Pricing is tailored to the scope of each engagement. Reach out to discuss whether it's the right fit.
Get in TouchBook a free 30-minute consultation and find out which tier is the right fit for where you are right now.
Express Interest