Spiritus Financial Planning fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 24, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$375/hr

“Meeting fees are on-going at $375 per hour.”

Flat or project fee

$4,000⁠-⁠$5,000

“Planning fees are negotiable and commonly range from $4,000 to $5,000.”

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

How Spiritus Financial Planning bills

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

• “Clients may terminate their account within five business days of signing the Investment Advisory Agreement for a full refund.”
• “Payment for hourly advice is due upon completion of meeting or services rendered.”
• “Investment management fees are billed quarterly, in advance, meaning that we invoice you at the beginning of each new quarter.”

How Spiritus Financial Planning’s fees compare

• Its hourly rate of $375 is above the California median of $300. 70% of the 932 other California planners that publish an hourly rate charge less.
• Its flat or project fee of $4,000-$5,000 is below the California median of $5,000. 47% of the 796 other California planners that publish a flat or project fee charge less.

About Spiritus Financial Planning

• Firm size: 2 employees.
• Founded: 2003 (23 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• College 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

Highest asset based fee in brochure

1.25% a year

Clients

3

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

$6,527,974

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

141372

Website

spiritusfinancial.com (opens in new tab)

Phone

(707) 237-5212

Other planners in Fort Bragg that publish fees

• ArimatheaFort Bragg$350/hr, $1,500⁠-⁠$10,000
• 10/28 Wealth Management LLCOceanside$300/hr, $500⁠-⁠$10,000
• 360DividendsGranite Bay$300/hr, $2,500⁠-⁠$10,000
• 3D Holistic WealthIrvine$300/hr, $1,500⁠-⁠$10,000
• 401 FinancialSan Diego$250/hr, $500
• 5T Wealth, LLCNapa$200⁠-⁠$450/hr

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