CTS Financial Planning, Inc. fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed December 23, 2025. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$125⁠-⁠$500/hr

“These fees are negotiable, but generally range from $500 to $7,500 on a fixed fee basis and/or from $125 to $500 on an hourly rate basis, depending upon the level and scope of the services and the professional rendering the financial planning and/or the consulting services.”

Flat or project fee

$500⁠-⁠$7,500

From the same sentence as above.

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

How CTS Financial Planning, Inc. bills

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

• “Generally, CTS requires one-half of the financial planning and/or consulting fee (estimated hourly or fixed) payable upon entering the written agreement.”
• “The balance is generally due upon delivery of the financial plan or completion of the agreed upon services.”

How CTS Financial Planning, Inc.’s fees compare

• Its hourly rate of $125-$500 spans the Illinois median of $273. 66% of the 215 other Illinois planners that publish an hourly rate charge less.
• 32 of the 54 other planners in Chicago that publish an hourly rate charge less.
• Its flat or project fee of $500-$7,500 spans the Illinois median of $4,500. 45% of the 175 other Illinois planners that publish a flat or project fee charge less.
• 17 of the 41 other planners in Chicago that publish a flat or project fee charge less.

About CTS Financial Planning, Inc.

• Firm size: 9 employees.
• Founded: 1972 (54 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Business owners
• Insurance analysis
• 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

249

Employees

9

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

$313,859,000

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

110960

Website

linkedin.com/company/1311857 (opens in new tab)

Phone

(312) 337-1040

Can advise clients in 5 states: California, Florida, Illinois, Texas, Wisconsin

Other planners in Chicago that publish fees

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• Blute Financial CoachingChicago$75/hr
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