Richards Financial Planning, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed October 27, 2025. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$125⁠-⁠$150/hr

“Our paraprofessional hourly rate increased from $125 to $150 per hour to reflect current market rates.”

Flat or project fee

$2,000⁠-⁠$3,000

“Retirement income planning is typically a project-based engagement starting at $2,000-$3,000, depending on complexity.”

Quarterly fee

$250/qtr

“$100,000 account = $1,000/year ($250/quarter)”

Annual fee

$1,000/yr

From the same sentence as above.

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

How Richards Financial Planning, LLC bills

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

• “We've clarified our fee refund policy to make it crystal clear: if we haven't done the work, you get a refund.”
• “Fees are charged quarterly in arrears—you pay for services already rendered, not in advance. 3.”
• “Quarterly, in arrears (after services are rendered).”

How Richards Financial Planning, LLC’s fees compare

• Its hourly rate of $125-$150 is below the Texas median of $275. 3% of the 468 other Texas planners that publish an hourly rate charge less.
• 5 of the 67 other planners in Houston that publish an hourly rate charge less.
• Its flat or project fee of $2,000-$3,000 is below the Texas median of $3,850. 26% of the 401 other Texas planners that publish a flat or project fee charge less.
• 14 of the 49 other planners in Houston that publish a flat or project fee charge less.
• Its annual fee of $1,000 is below the Texas median of $6,000. 11% of the 106 other Texas planners that publish an annual fee charge less.
• 2 of the 16 other planners in Houston that publish an annual fee charge less.

About Richards Financial Planning, LLC

• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: ChFC®.
• Registered as an adviser: 2020 (6 years).

Firm details from Form ADV

How the firm is paid

Hourly fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1% a year

Clients

2

Employees

1

Works with

Individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other advisers, and educational seminars and workshops

Assets managed

$329,619

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

306087

Website

richardsfinancialplanning.com (opens in new tab)

Phone

(713) 320-6124

Other planners in Houston that publish fees

• Abundo WealthHouston$199/mo
• Allzen Wealth and Financial ServicesHouston$8,000, $7,125/qtr
• Alteris Capital Partners, LLCHouston$5,000⁠-⁠$25,000
• Analog Capital Ai, LLCHouston$250⁠-⁠$450/hr
• Analog Capital Partners LLCHouston$3,000, $1,188/yr
• Aquinas Advisors, LLCHouston$250/hr, $5,000

Compare all 154 planners in Houston