Phillip James Financial Co. fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 27, 2026. Fees can change, so confirm with the firm before you hire them.

Flat or project fee

$2,500⁠-⁠$5,000

“We charge an initial planning fee of $2,500 to $5,000 depending on the complexity of the plan.”

Annual fee

$12,500/yr

“Phillip James has a $12,500 annual minimum fee and, in its sole discretion, may waive its minimum fee and/or charge a lesser investment advisory fee.”

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

How Phillip James Financial Co. bills

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

• “We will refund any unearned portion of any prepaid management fees.”
• “We will refund any unearned portion of any prepaid management fees.”
• “The client must consent in advance to direct debiting of their investment accounts.”

How Phillip James Financial Co.’s fees compare

• Its flat or project fee of $2,500-$5,000 is below the Minnesota median of $5,250. 40% of the 108 other Minnesota planners that publish a flat or project fee charge less.
• 2 of the 5 other planners in Plymouth that publish a flat or project fee charge less.
• Its annual fee of $12,500 is above the Minnesota median of $8,050. 67% of the 49 other Minnesota planners that publish an annual fee charge less.
• 1 of the 2 other planners in Plymouth that publish an annual fee charge less.

About Phillip James Financial Co.

• Firm size: 3 employees.
• Credentials named in the brochure: CPA and CFA.
• Registered as an adviser: 2021 (5 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• College planning
• Business owners
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.5% a year

Clients

114

Employees

3

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning and portfolio management for individuals and small businesses

Assets managed

$222,065,777

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

168228

Website

facebook.com/phillipjamesfinancial (opens in new tab)

Phone

(763) 432-0852

Other planners in Plymouth that publish fees

• Echo Wealth Management, LLCPlymouth$2,500⁠-⁠$6,000
• Gen Financial Management Inc.Plymouth$1,500⁠-⁠$15,000, $10,750/qtr
• Great River FinancialPlymouth$300⁠-⁠$400/hr
• RLN WealthPlymouth$500/hr, $6,500⁠-⁠$30,000
• Rossi Dubuque Breckenridge, LLCPlymouth$500⁠-⁠$100,000/yr
• Side-By-Side Financial Planning, LLCPlymouth$1,300⁠-⁠$5,460, $145⁠-⁠$400/mo

Compare all 11 planners in Plymouth