PlannerFees

Imagine Financial Security LLC fees and pricing

Financial planner in Chattanooga, Tennessee. Registered with state securities regulators.

According to its Form ADV Part 2A brochure dated March 30, 2026, Imagine Financial Security LLC charges $300 an hour and a flat or project fee of $2,000⁠-⁠$10,000 for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 30, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate
$300/hr
“Amounts due will be calculated based on an hourly rate of $300 and the number of hours IFS has worked on the plan up until the time of cancellation.”
Flat or project fee
$2,000⁠-⁠$10,000
“One-Time Financial Planning or Hourly Financial Planning (No Investment Management) IFS charges a one-time flat fee between $2,000-$10,000 for financial planning.”

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

How Imagine Financial Security LLC bills

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

  • “Fees are generally not negotiable, but we reserve the right to offer fee waivers or discounts at our discretion.”
  • “For accounts opened or closed mid- billing period, fees will be prorated based on the number of days services are provided during the given period.”
  • “The fee is negotiable, depending on the complexity of the client profile.”

How Imagine Financial Security LLC’s fees compare

  • Its hourly rate of $300 is above the Tennessee median of $275. 55% of the 111 other Tennessee planners that publish an hourly rate charge less.
  • 9 of the 14 other planners in Chattanooga that publish an hourly rate charge less.
  • Its flat or project fee of $2,000-$10,000 spans the Tennessee median of $3,000. 78% of the 89 other Tennessee planners that publish a flat or project fee charge less.
  • 7 of the 8 other planners in Chattanooga that publish a flat or project fee charge less.

About Imagine Financial Security LLC

“Including a strategy for accumulating the required retirement capital and its planned lifetime distribution. • Comprehensive risk management plan: Identify all risk exposures and provide the necessary coverage to protect the family and its assets against financial loss.”
From the firm's description of its advisory business in its Form ADV brochure.
  • Principal: Kevin Lao
  • Solo practice: one person runs the firm, so you work directly with the planner.
  • Credentials named in the brochure: CFP®.
  • Registered as an adviser: 2021 (5 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
0.9% a year
Clients
52
Employees
1
Works with
Individuals and high net worth individuals
Services reported to regulators
Financial planning, portfolio management for individuals and small businesses, and educational seminars and workshops
Assets managed
$56,351,808
Registered with
State securities regulators
Disciplinary disclosures
None reported
SEC CRD number
311694
Website
instgram.com/imaginefinancialsecurity (opens in new tab)
Phone
(904) 323-2069

Can advise clients in 2 states: Florida, Tennessee

Other planners in Chattanooga that publish fees

Compare all 23 planners in Chattanooga

Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.