(ee-mon-sip-ar-ay) – it means ‘to liberate’!
Your Path To Financial Freedom Begins Here…
We’re an AFC®, a higher standard than CFP®, because it requires expertise in all of personal finance, not just “planning.”
Advice-Only. Flat-Fee. Fee-Only. Fiduciary. Honest. Ethical. Transparent. Inexpensive.
We answer your phone/email/text-even on nights and weekends! We’re there for you, always.
We’re different – very different! We formed our small personal service company to help those who are tired of getting bled out by high fees and confusing/losing portfolios, or want an early exit from the hamster wheel (FIRE), or need to make up for lost time in preparing for retirement, their children’s education, and other life goals.
Who else has transparent, up-front and understandable pricing? We don’t bleed you out on hidden AUM rate-table fees from your investment account!
We are veteran-owned! See the common questions/answers on this page, our FAQ page, and our Rates page for further detail. We look forward to working with you!
You’ll love us if…
- You want to understand more about personal finances, so you don’t have to always pay someone for advice
- You want someone that will always answer the phone, texts, or emails promptly, even on evenings, weekends, and holidays!
- You want a one-time, clear, personalized roadmap for financial independence or retirement, not a rough metric
- You want to know the actual date you can safely retire or be financially independent
- You’re in your 30s-50s and don’t want to work until you’re 65
- You think you’ll have to work until you die
- You want the best retirement possible
- You want a mentor to help understand your fees and investments (do you, currently?)
- You need strategic tax planning (forward looking) not tax preparation (backward looking)
- You want inexpensive, comprehensive, year-round financial guidance, mentoring, and advice
We currently have just 5 new client openings for this year.
Answers to a few questions
We’ll answer your most common questions below. For any we don’t address, head to our FAQ page or use the fields at the bottom of this page to reach out.
The Emancipare Difference
We are an inexpensive, ethical, honest, flat-fee, fee-only fiduciary financial advisory. Please review the table below that compares us to typical advisors. See our Services and Rates page for more details, and to get started.
|Advice-Only, Flat-Fee, Fee-Only, Fiduciary||Conflicts of interest? Complex AUM fees? Commissions? Loads?|
|$897 Life/Retirement/FIRE plan ($299/month x 3)||$2,250 retirement plan|
|$249/month ($2,988/year) Ongoing Comprehensive Financial Guidance||Big start-up fee, $5k-$10k/year cost, complex, high fees 1% of assets and up|
example: $500,000 @ 1% fee = ~$417/month! $1m = ~$834/month!
|$199 private personal finance/investing courses||They don’t teach, it would put them out of a job!|
|$199 hourly fee (no meter, includes prep and up to 1 hour meeting)||$250+ hourly fee|
|Simple, understandable, passive investing recommendations||Complex investing, many funds|
|Education as a priority||No client education|
|Fewer clients, quick response||Large client rosters|
|Advice-only, keep your assets under your control||Tiered, complex, expensive asset management fees|
|No minimum net worth/assets||$250,000 to $500,000 minimum|
|Awesome client portal and tools you can use on your own||Stodgy, expensive, old-school client tools for advisors/planners only|
|Sources: Kitces Fee Trends, Kitces Report 2021|
Areas of Expertise
Below are just a few of the areas that we commonly help with. See our Services and Rates page for more details, and to get started.
FIRE Me! The Financial Independence/Retire Early Movement
After everything we all went through with the COVID-19 pandemic, ...
Emancipare’s Get Smart With Money Review
As long-time financial counselors at our company Money Coach Group, ...
Our Partners and Platform
Our partners are carefully chosen to match our core values – secure, easy to use, inexpensive, honest, ethical, fun, high-tech!
Trust & Will is a great way to get these important legal documents in place at an affordable price. We partner with them to guide you and check your progress!
Riskalyze is our fun, visual tool for gauging your individual risk tolerance – a step most advisors skip or just fudge! Sleep well at night with investments that align with your personality and goals.
Holistiplan – incredible tax strategy/analysis!