Impact Financial Life Planning LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 19, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$250/hr

“Our hourly rate is $250.”

Flat or project fee

$250⁠-⁠$6,000

“Fixed fee rates range between $250 to $6,000.”

Monthly fee

$400⁠-⁠$533/mo

“Fees are paid either monthly or quarterly, in advance, ranging from $400 - $533.33 per month or $1,200 - $1,600 per quarter.”

Quarterly fee

$1,200⁠-⁠$1,600/qtr

From the same sentence as above.

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

How Impact Financial Life Planning LLC bills

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

• “Fees are negotiable and the final agreed upon fee will be outlined in your Advisory Contract.”
• “Fees are negotiable and the final agreed upon fee will be outlined in your Advisory Contract.”
• “Fees are negotiable and the final agreed upon fee will be outlined in your Advisory Contract.”

How Impact Financial Life Planning LLC’s fees compare

• Its hourly rate of $250 is below the Maryland median of $300. 24% of the 156 other Maryland planners that publish an hourly rate charge less.
• Its flat or project fee of $250-$6,000 spans the Maryland median of $4,335. 41% of the 133 other Maryland planners that publish a flat or project fee charge less.

About Impact Financial Life Planning LLC

• Principal: John O'Callaghan
• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Meets clients remotely: the brochure mentions virtual or online meetings.
• Registered as an adviser: 2023 (3 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• College planning
• Business owners
• 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

3% a year

Employees

1

Services reported to regulators

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

Assets managed

$7,451,925

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

325805

Website

impactfinanciallifeplanning.com (opens in new tab)

Phone

(410) 205-6526

Other planners in Severna Park that publish fees

• CTG Wealth Management LLCSeverna Park$2,000⁠-⁠$6,000/yr
• 1 North Wealth Services, LLCAnnapolis$400/hr, $3,200/yr
• Aaa Advisory LLCWalkersville$300/hr
• Accordant Advisory Group, Inc.Annapolis$500/hr
• Addax Bridge FinancialPotomac$250⁠-⁠$400/hr, $5,000⁠-⁠$6,000
• Adenry Wealth LLCColumbia$300/hr, $300

Compare all 302 planners in Maryland