Michael Piper, LLC fees and pricing

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

$400/hr

“For an hourly planning engagement, rather than ongoing financial planning, the firm will charge based on an hourly rate of $400 per hour, billed in ten-minute increments, rounded down.”

Flat or project fee

$7,000

“Ongoing Financial Planning For new ongoing financial planning clients, there is an initial fee of $7,000, paid in advance.”

Monthly fee

$615/mo

“The engagement will renew thereafter at a fee of $615 per month, billed in arrears.”

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

How Michael Piper, LLC bills

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

• “The firm’s fees may be negotiable in some cases.”
• “We prefer that the fee be made by credit card, debit card, or electronic funds transfer (EFT) via a qualified, unaffiliated PCI compliant1 third-party processor.”
• “The entire fee is due at delivery of our invoice, which occurs at the end of each engagement—with the exception of an hourly engagement lasting more than one month, which may be billed at the end of each month for time incurred.”

How Michael Piper, LLC’s fees compare

• Its hourly rate of $400 is above the Missouri median of $250. 84% of the 88 other Missouri planners that publish an hourly rate charge less.
• 2 of the 2 other planners in Saint Louis that publish an hourly rate charge less.
• Its flat or project fee of $7,000 is above the Missouri median of $3,550. 78% of the 77 other Missouri planners that publish a flat or project fee charge less.
• 3 of the 4 other planners in Saint Louis that publish a flat or project fee charge less.
• It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About Michael Piper, LLC

• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CPA.
• Registered as an adviser: 2025.

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees

Charges a % of assets

No

Clients

11

Employees

1

Works with

High net worth individuals

Services reported to regulators

Financial planning

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

322413

Website

opensocialsecurity.com (opens in new tab)

Phone

(314) 328-9448

Other planners in Saint Louis that publish fees

• 25 FinancialSaint Louis$2,000⁠-⁠$5,000
• Alpine Private WealthSaint Louis$333, $4,000/yr
• Brady Family Wealth, LLCSaint Louis$10,000/yr
• Cwos for HireSaint Louis$200/hr, $750⁠-⁠$4,500
• Herzog Financial Group, LLCSaint Louis$250/hr
• Legatrust Financial Advisors, Inc.Saint Louis$4,500⁠-⁠$20,000, $4,500/yr

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