Cool Creek Financial fees and pricing

Published fees

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

Hourly rate

$200/hr

“Our hourly rates are $200 per hour.”

Flat or project fee

$1,000⁠-⁠$2,000

“Fixed fee rates range between $1,000 to $2,000.”

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

How Cool Creek Financial bills

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

• “The fee is based on a percentage of assets under management and is negotiable.”
• “Our advisory fee is prorated for any partial billing periods occurring during the engagement, including the initial and terminating billing periods.”
• “The fees shall be paid 9 within 30 days following the end of the quarter for which fees are payable.”

How Cool Creek Financial’s fees compare

• Its hourly rate of $200 is below the Pennsylvania median of $250. 16% of the 267 other Pennsylvania planners that publish an hourly rate charge less.
• 2 of the 12 other planners in Lancaster that publish an hourly rate charge less.
• Its flat or project fee of $1,000-$2,000 is below the Pennsylvania median of $3,650. 20% of the 232 other Pennsylvania planners that publish a flat or project fee charge less.
• 2 of the 9 other planners in Lancaster that publish a flat or project fee charge less.

About Cool Creek Financial

• Principal: Steven Maher
• Solo practice: one person runs the firm, so you work directly with the planner.
• Registered as an adviser: 2022 (4 years).

Planning areas mentioned in the brochure

• Retirement planning
• Estate planning
• College planning
• Cash flow and budgeting

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

2% a year

Clients

105

Employees

1

Works with

Individuals, high net worth individuals, and pension and profit sharing plans

Services reported to regulators

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

Assets managed

$40,801,756

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

323167

Website

coolcreekfin.com (opens in new tab)

Phone

(717) 989-2935

Can advise clients in 3 states: Florida, Pennsylvania, South Carolina

Other planners in Lancaster that publish fees

• Atwater MalickLancaster$500
• Carriage Hill Investment Associates LLCLancaster$250/hr
• Chestnut Street Investment Counsel, LLCLancaster$250⁠-⁠$350/hr, $500⁠-⁠$5,000
• Evenkiehl, LLCLancaster$500⁠-⁠$1,000, $208⁠-⁠$375/mo
• Fident Financial, LLCLancaster$3,000⁠-⁠$6,500, $500/mo
• Harlan Financial LLCLancaster$250/hr, $1,800⁠-⁠$5,500

Compare all 27 planners in Lancaster