Cline Financial Concepts, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed September 22, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$150/hr

“Stand-Alone Comprehensive Financial Plan plus $150/hour for items over the minimum fee of ($1,500) 3.”

Flat or project fee

$1,500

“Project-Based Financial Plan Stand-Alone Comprehensive Financial Plan ($1,500 minimum):”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Cline Financial Concepts, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Fees for Advisory Services Investment Management Services Investment advisory fees are paid quarterly, in arrears, pursuant to the terms of the investment advisory agreement.”
• “The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter.”
• “Fees may be negotiable at the sole discretion of the Advisor.”

How Cline Financial Concepts, LLC’s fees compare

• Its hourly rate of $150 is below the Illinois median of $273. 5% of the 215 other Illinois planners that publish an hourly rate charge less.
• 1 of the 3 other planners in Champaign that publish an hourly rate charge less.
• Its flat or project fee of $1,500 is below the Illinois median of $4,500. 13% of the 175 other Illinois planners that publish a flat or project fee charge less.

About Cline Financial Concepts, LLC

• Solo practice: one person runs the firm, so you work directly with the planner.
• Registered as an adviser: 2005 (21 years).

Planning areas mentioned in the brochure

• Retirement planning
• College planning

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.5% a year

Minimum

$1,500 minimum fee (stated in brochure)

Clients

120

Employees

1

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, and selecting other advisers

Assets managed

$86,819,315

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

135679

Website

cline-financial.com (opens in new tab)

Phone

(217) 607-0251

Can advise clients in 3 states: Arizona, California, Illinois

Other planners in Champaign that publish fees

• Ruedi Wealth Management, Inc.Champaign$250/hr
• Sterling Wealth Management, Inc.Champaign$250/hr
• Willenbrock Financial PlanningChampaign$100/hr
• 15 Wealth Advisors LLCMundelein$250⁠-⁠$10,000/yr
• 1ST Advantage Financial Advisers, LLCLombard$200/hr
• Alo Financial PlanningMount Prospect$3,000

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