Independent Capital fees and pricing
Financial planner in Chicago, Illinois. Registered with state securities regulators.
According to its Form ADV Part 2A brochure dated October 5, 2026, Independent Capital charges a flat or project fee of $2,000 for financial planning.
Published fees
Quoted from the firm's Form ADV Part 2A brochure, filed October 5, 2026. Fees can change, so confirm with the firm before you hire them.
- Flat or project fee
- $2,000
“The fee for our Financial Planning Services is a fixed fee consisting of an upfront charge of $2,000 and an ongoing fee of $750 paid quarterly, in advance.”
Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)
How Independent Capital bills
Payment and refund terms, quoted from the fee section of the brochure.
- “Fees may be negotiable in some circumstances, and we reserve the right to waive or reduce fees at our sole discretion.”
- “Investment advisory fees are calculated based on the value of assets under management and are generally billed quarterly in arrears.”
- “Clients may be billed upon completion of services, periodically as services are provided, or in accordance with the payment schedule disclosed in the advisory agreement.”
How Independent Capital’s fees compare
- Its flat or project fee of $2,000 is below the Illinois median of $4,500. 19% of the 175 other Illinois planners that publish a flat or project fee charge less.
- 8 of the 41 other planners in Chicago that publish a flat or project fee charge less.
About Independent Capital
- Principal: Thomas Kerney
- Solo practice: one person runs the firm, so you work directly with the planner.
- Credentials named in the brochure: EA.
- Registered as an adviser: 2026.
Planning areas mentioned in the brochure
- Retirement planning
- Tax 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
- 1.5% a year
- Employees
- 1
- Services reported to regulators
- Financial planning and portfolio management for individuals and small businesses
- Registered with
- State securities regulators
- Disciplinary disclosures
- None reported
- SEC CRD number
- 340359
- Phone
- (312) 998-3340
Can advise clients in 2 states: California, Illinois
Other planners in Chicago that publish fees
- Altair Advisers, LLCChicago$200-$500/hr
- Altman AdvisorsChicago$500/hr, $25,000
- Arena Private WealthChicago$250/hr
- Bayworth CapitalChicago$1,000-$10,000
- Blute Financial CoachingChicago$75/hr
- Bold Vision FinancialChicago$385/hr, $120-$500/mo
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.