Innovate Wealth fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 18, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$275/hr

“Upon termination, the last quarterly or monthly payment will be refunded in its entirety. 7 | Page Hourly Fee The standard hourly rate is $275.”

Flat or project fee

$3,800

“Typically, Financial Planning Services are provided for a 12-month engagement for a fixed fee of $3,800, payable as an upfront $1,400 deposit and $800 each quarter thereafter.”

Quarterly fee

$800/qtr

From the same sentence as above.

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

How Innovate Wealth bills

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

• “Fees are not negotiable, but we reserve the right to offer fee waivers or discounts at our sole discretion.”
• “Upon termination, when fees are required to be paid in advance, IW will promptly refund any unearned prepaid fees upon receipt of the Client’s written termination.”
• “Any unpaid fees for time already incurred will be invoiced and due upon termination.”

How Innovate Wealth’s fees compare

• Its hourly rate of $275 is above the Pennsylvania median of $250. 54% of the 267 other Pennsylvania planners that publish an hourly rate charge less.
• Its flat or project fee of $3,800 is above the Pennsylvania median of $3,650. 52% of the 232 other Pennsylvania planners that publish a flat or project fee charge less.

About Innovate Wealth

• Principal: Steven J. Sivak
• Firm size: 2 employees.
• Registered as an adviser: 2016 (10 years).

Planning areas mentioned in the brochure

• Estate planning
• Business owners
• Insurance analysis
• 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

Clients

46

Employees

2

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, and other services

Assets managed

$90,500,000

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

283332

Website

innovate-wealth.com (opens in new tab)

Phone

(704) 232-7410

Can advise clients in 3 states: Pennsylvania, Texas, Utah

Other planners in Pennsylvania that publish fees

• 100 Plus PlanningCenter Valley$1,000⁠-⁠$6,000
• 10TH Street CapitalPhiladelphia$300/hr, $3,000⁠-⁠$20,000
• 2ND Story Wealth PlannersPlymouth Meeting$400/hr, $3,000⁠-⁠$6,000
• 80 West Asset Management, LLCPittsburgh$250/hr, $2,000/yr
• A Better Way Financial, LLCAllentown$500⁠-⁠$2,399/yr
• A. Neff Associates LLCPittsburgh$150/hr

Compare all 621 planners in Pennsylvania