Dream Financial Planning fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 31, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$400/hr

“Financial Planning fee is an hourly rate of $400.00 per hour.”

Flat or project fee

$999

“Comprehensive Financial Planning Comprehensive Financial Planning consists of an upfront charge of $999.00 for individuals, and $1,499.00 for couples, and an ongoing fee that is paid monthly, in advance, at the rate of $400 - $1,000 per month for individuals, and $600$1,000 per month for couples.”

Monthly fee

$400⁠-⁠$1,000/mo

From the same sentence as above.

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

How Dream Financial Planning bills

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

• “Advisory fees are directly debited from client accounts, or the client may choose to pay by check.”
• “Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the amount of time remaining in the billing period.”
• “An account may be terminated with written notice at least 30 calendar days in advance.”

How Dream Financial Planning’s fees compare

• Its hourly rate of $400 is above the Virginia median of $260. 83% of the 203 other Virginia planners that publish an hourly rate charge less.
• Its flat or project fee of $999 is below the Virginia median of $4,250. 11% of the 168 other Virginia planners that publish a flat or project fee charge less.

About Dream Financial Planning

• Principal: Lamar Watson
• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Registered as an adviser: 2019 (7 years).

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

20

Employees

1

Works with

Individuals

Services reported to regulators

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

Assets managed

$5,200,000

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

304086

Website

twitter.com/dreamfinancial3 (opens in new tab)

Phone

(571) 910-1440

Can advise clients in 3 states: District of Columbia, Florida, Virginia

Other planners in Herndon that publish fees

• Cedarstream Wealth, LLCHerndon$2,000⁠-⁠$4,500
• Finpowered Female LLCHerndon$100/hr
• 8TH Street Investments, LLCAlexandria$250⁠-⁠$500/hr, $2,000⁠-⁠$7,000
• Abich Financial Wealth Management, LLCAshburn$350/hr, $20,000
• Acadia Financial Services, LLCFairfax Station$400/hr, $600/yr
• Acorn Financial Advisory Services, Inc.Reston$175⁠-⁠$1,295/hr, $3,750

Compare all 5 planners in Herndon