Dowd Financial Planning fees and pricing

Published fees

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

Flat or project fee

$1,500

“The cost for a Financial Review is a flat fee of $1,500.”

Annual fee

$3,400⁠-⁠$13,600/yr

“Open Retainer Annual flat fees are between $3,400 and $13,600.”

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

How Dowd Financial Planning bills

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

• “Fees are determined annually and payable quarterly, in advance.”
• “In Advisor’s sole discretion, fees may be paid with onehalf due at the beginning of the engagement and the remainder upon completion.”
• “In no event will Advisor collect more than $500.00 more than six months in advance from any client.”

How Dowd Financial Planning’s fees compare

• Its flat or project fee of $1,500 is below the New Jersey median of $5,000. 12% of the 168 other New Jersey planners that publish a flat or project fee charge less.
• None of the 2 other planners in Montclair that publish a flat or project fee charge less.
• Its annual fee of $3,400-$13,600 spans the New Jersey median of $6,318. 64% of the 47 other New Jersey planners that publish an annual fee charge less.
• 2 of the 2 other planners in Montclair that publish an annual fee charge less.
• It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About Dowd Financial Planning

• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Founded: 2009 (17 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• Insurance analysis
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees

Charges a % of assets

No

Employees

1

Services reported to regulators

Financial planning and other services

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

152474

Website

dowd-financial-planning.com (opens in new tab)

Phone

(973) 582-0000

Can advise clients in 2 states: New Jersey, New York

Other planners in Montclair that publish fees

• Bautis Financial, LLCMontclair$1,200⁠-⁠$10,000/yr
• Grosso Wealth Management LLCMontclairUp to $50,000
• Horicon Wealth ManagementMontclair$1,250/qtr
• Pullman WealthMontclair$3,000⁠-⁠$5,000
• RMR Wealth Builders, Inc.Montclair$150/mo, $1,500/yr

Compare all 7 planners in Montclair