The Complimentary Financial Plan at Infinitus: What's Included and What to Expect
- Erik James Roberts, Founder & Chief Investment Officer | Infinitus Wealth Management
- 3 days ago
- 7 min read
The complimentary financial plan at Infinitus Wealth Management is a complete review of your financial picture — current holdings, goals, time horizon, tax situation, and risk tolerance — delivered as a written plan together with a proposed portfolio of individual stocks and bonds. It is included for our investment management clients as part of the advisory relationship: one transparent fee covers both the plan and the ongoing management of the portfolio that expresses it, with no separate planning charge, ever.
Many firms sell the plan and the portfolio as two engagements, two fees, and sometimes two different teams. We build them as one. This article walks through everything the complimentary financial plan includes, how the process works once you become a client, what your single advisory fee covers, and how the plan keeps working for you year after year.
What Is the Complimentary Financial Plan?
A financial plan answers the questions that sit underneath every portfolio: What are you building toward? When will you need the money? How should your accounts work together? What does your tax picture reward — and what does it penalize? A portfolio built without those answers is a guess. A portfolio built on them is a strategy.
That is why the complimentary financial plan and the proposed portfolio arrive together, from the same team. At Infinitus Wealth Management, the people who build your plan are the same people who would construct and actively manage your portfolio of individual stocks and bonds. Nothing gets handed off to a separate planning department or plugged into a model allocation. The plan informs the portfolio, and the portfolio expresses the plan.
Two things the plan is not. It is not an upsell — there is no planning package, no hourly engagement, no premium tier hiding behind it. And it is not a static binder. The plan is a working document, revisited as your life and the markets move, by the same team managing the money it describes.
What's Included in the Complimentary Financial Plan
Every plan is built from scratch around your actual situation, so the emphasis shifts from client to client — a corporate executive with concentrated equity compensation gets a different plan than a retiree designing a withdrawal strategy or a business owner preparing for a sale. The core components, however, are consistent:
Goals and priorities, mapped. We start with what the money is for — retirement timing, income needs, family objectives, education, charitable intent, legacy — and rank what matters most, so every later recommendation traces back to a purpose you named.
A complete review of your current holdings. Every account — taxable, retirement, employer plans, equity compensation — reviewed position by position, including cost basis where it matters for tax planning.
Your tax picture, integrated. How your accounts are located, how income and gains flow through your return, and where the structure of your portfolio can work harder for after-tax results.
Risk tolerance and time horizon, defined precisely. Not a one-word label, but a working definition of how much variability your plan can carry and for how long — the foundation of the allocation decision.
Written recommendations. The plan document itself: what we would do, in what order, and why — covering allocation, account structure, income design, and coordination with your estate and insurance picture where relevant.
A proposed portfolio of individual securities. The centerpiece. A specific portfolio, built from our twelve proprietary strategies and composed of individual stocks and bonds selected for your situation — so you can see precisely what you would own and the reasoning behind it.
One more detail worth knowing before you ever fill anything out: our intake questionnaire deliberately excludes Social Security numbers and account numbers. We designed it that way so the information you share is exactly what plan-building requires — nothing more.
What to Expect: From Welcome to Delivered Plan
For new clients, the plan is the first deliverable of the relationship — built before a single security is purchased, so the portfolio starts life with instructions.
1. An introductory conversation. Before any engagement, we talk — about what you want your wealth to accomplish, how our individual-securities approach works, and whether the fit is right in both directions. You will leave the conversation knowing exactly what the relationship includes.
2. The intake questionnaire. Once you join us as a client, we provide a structured questionnaire covering your goals, family picture, income and savings, accounts and holdings, equity compensation, real estate and business interests, liabilities, insurance, taxes, and estate wishes. The more complete the picture, the more precise the plan.
3. Analysis and construction. Our team reviews everything you have shared, analyzes your current positioning, and builds both deliverables together: the written plan and the proposed portfolio of individual securities, drawn from the same research process behind our active portfolio management.
4. Plan delivery and walkthrough. We present your financial plan to you directly and walk through every element — the reasoning, the recommendations, and the proposed portfolio — and answer every question before implementation begins.
5. Implementation, then rhythm. With your plan agreed, we construct your portfolio and manage it actively — and the plan itself joins the ongoing rhythm of the relationship, revisited and refreshed as your goals, your circumstances, and the markets evolve. No separate engagement, no additional fee: the reviews are part of the same relationship the plan began.
Why the Complimentary Financial Plan Comes at No Extra Cost
The reason is structural, and it says a great deal about how Infinitus Wealth Management is built. We are a fee-only, independent fiduciary RIA. We do not earn commissions, we do not sell products, and we do not price planning as a separate engagement. Our clients pay one transparent advisory fee on the assets we manage — and that fee covers the whole relationship: the plan, the custom portfolio that expresses it, and the ongoing active management of both.
The plan is complimentary for our investment clients because it is inseparable from the investment work, not a product to be priced beside it. Building your plan is how we understand your situation well enough to construct the right portfolio; keeping the plan current is how the portfolio stays right. Charging separately for it would mean billing you twice for one integrated process — so we don't.
And because fee transparency is central to how we operate, here is the entire schedule a client pays — the same figures published across our site and compared in detail in our wirehouse vs. independent RIA fee analysis:
That single fee covers both the ongoing management of your custom portfolio and the continuing planning relationship — billed quarterly in arrears based on your daily average balance, with your assets held at Altruist, an independent qualified custodian, in accounts titled in your name.
How the Plan Keeps Working for You
Because the plan was built by the team that manages the money, the transition from paper to portfolio is seamless. Your custom portfolio is constructed from our twelve proprietary strategies — combined in the specific proportions your plan calls for — and managed actively on a discretionary basis. Accounts are held at Altruist in your name, and the plan becomes the living framework we revisit together as your life, your goals, and the markets evolve. Planning at Infinitus is a rhythm, not a binder that gathers dust: the portfolio expresses the plan, and the plan is refreshed as your circumstances change — all inside the same relationship, all covered by the same fee.
That continuity is the quiet advantage of the model. A career change, a business sale, a new grandchild, a shift in the markets — each one flows into the next review, updates the plan, and reshapes the portfolio where it should. Nothing waits for you to purchase another engagement, because there isn't one to purchase.
Frequently Asked Questions About the Complimentary Financial Plan
Is the complimentary financial plan really free?
For our investment management clients, yes — it is included in the advisory relationship at no additional cost. There is no separate planning fee, no hourly engagement, and no premium tier: one transparent advisory fee covers the plan, the portfolio, and the ongoing management of both.
Who receives the complimentary financial plan?
Every Infinitus investment management client. The plan is built at the start of the relationship — before implementation begins — and refreshed over time as part of the same relationship. Prospective clients begin with an introductory conversation about our approach and whether the fit is right.
What information do I need to provide?
Our intake questionnaire covers your goals, family picture, income and savings, accounts and holdings, equity compensation, real estate and business interests, liabilities, insurance, taxes, and estate wishes. It deliberately excludes Social Security numbers and account numbers.
Does the plan include specific investments?
Yes. Alongside the written plan, you receive a proposed portfolio of individual stocks and bonds built from our twelve proprietary strategies — reviewed with you in full before implementation, so you see exactly what you will own and why.
What does the advisory fee cover?
Everything described here: the financial plan, the construction of your custom portfolio, its ongoing active management, and the continuing planning relationship. Our fee is 1.00% annually on assets under $1 million, 0.95% from $1 million to $4.99 million, 0.90% from $5 million to $9.99 million, and 0.80% at $10 million and above — billed quarterly in arrears on the daily average balance, with no commissions and no product sales.
Where would my money be held?
Client assets are held at Altruist, an independent qualified custodian, in accounts titled in your name. Infinitus manages the portfolio; the custodian holds the assets. That separation is a foundational protection of the fee-only fiduciary model.
One relationship. One fee. Plan and portfolio together. Start with a no-obligation conversation about how Infinitus Wealth Management builds custom portfolios of individual securities — with a complete financial plan included for every investment client.
Infinitus Wealth Management is a registered investment adviser. Registration does not imply any level of skill or training. This article is for informational and educational purposes only and does not constitute investment, legal, or tax advice, nor an offer or solicitation to buy or sell any security. Investing involves risk, including the possible loss of principal, and past performance is not indicative of future results.
All commentary is analytical and educational in nature. Any illustrations are hypothetical and provided for conceptual purposes only; they do not represent any actual client account or outcome. Advisory services are offered only to clients or prospective clients where Infinitus Wealth Management and its representatives are properly licensed or exempt from licensure. The complimentary financial plan described is provided to investment management clients as part of Infinitus's advisory services under the firm's advisory fee. Individual circumstances vary; please consult Infinitus and your own tax and legal professionals regarding your specific situation. Custody of client assets is held at an independent qualified custodian.
