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As Flat-Fee Financial Advisors We Specialize In Helping People Under 60 Who Want to Retire Early And Stay Retired

Experience The Clarity, Confidence, And Peace Of Mind That Comes From Partnering With A Trusted CFP® Who Will Help You:

Save and Invest Smarter
Optimize Current And Future Income
Minimize Taxes

Unbiased Feedback From Actual Clients:

*These testimonials were provided as Google Reviews by actual clients of HCP Wealth Planning.  The clients were not compensated, nor are there material conflicts of interest that would affect the given testimonials. To read all our Google Reviews, please click here.

I worked with Kevin on a flat-fee basis to put together a comprehensive financial plan. He was a pleasure to work with and he taught me way more than I was expecting. It's clear he cares about his clients and is very knowledgeable. He ensured that all of my questions were answered and that I understood all of his advice clearly before ending any of our meetings. He also put in extra effort to model many "what-if" scenarios so that I could see how that impacted my financial goals. I highly recommend Kevin to anyone looking for a financial advisor. Unlike some other advisors that I considered, he does not pressure you to purchase any additional services or have him manage your money.

-Jay S - Client

Kevin is not just one of the best financial advisors I've ever worked with, he's one of the best professionals I've ever worked with. He's extremely knowledgeable, kind, flexible and honestly a joy to work with. He went above and beyond in terms of collecting data to help us make the right decisions as we prepare to buy our next house and I find myself looking for opportunities to recommend him to my friends. If you're looking for a financial advisor, definitely get in touch with Kevin.

-Justin W

I worked with HCP Wealth Planning as a "by the gig" customer, meaning we paid a one time flat fee for a comprehensive analysis of all our financial goals, and the design of a financial plan to achieve them. Kevin is very responsive by email, and is available to meet on weekends and after work hours. In addition, Kevin's approach to financial planning revolved around encouraging us to identify all our financial goals, no matter how crazy they seemed, and helped us realize those goals were not as crazy after all if you can stick to a simple saving plan and keep your cash flows under control. Kevin uses an intuitive electronic platform which allows you to easily visualize your financial plan, and see how your "chance of success" improve or decrease based on changes to salary, expenses, market performance, etc. I wholeheartedly recommend working with Kevin, even if you're already financially savvy; having an expert set of eyes look at your current finances will reveal a lot of possibilities you may have not considered.

-Eli E

Kevin with HCP Wealth Planning was an absolute pleasure to work with. We came in with a fairly complex situation with a lot of moving pieces to put together a financial plan for retirement. Kevin did a terrific job of organizing all of our information and building out all of the different scenarios we wanted to model. The software he uses is top-notch, and we came away with a solid retirement plan with all of our variables rolled in.

-Don M

Worked with Kevin for a “by the gig” review of our finances. We had several goals and points of clarity which were all answered. The electronic platform is easy to use. Kevin was responsive and had flexible hours to meet our schedule.

-Amanda B

I appreciate that Kevin took the time to really understand my financial goals before jumping into planning. I also like that he focused on much more than just my investments, but also made sure we had a good understanding of my cash flow. That way he could help me figure out exactly how much I should be putting towards various goals and expenses. Getting all of my accounts linked up in one place and being able to track everything was very helpful. It saved timed downloading all my financial documents and sending them to him. If you are looking for a financial advisor who clearly cares about his clients and doesn't try to sell you something; I recommend working with HCP Wealth Planning.

-Andrea R

I would absolutely recommend HCP Wealth Planning. Kevin is wonderful to work with. He takes the time to understand your financial goals and then uses his expertise to help guide you in the right direction to make those goals a reality. Kevin makes it easy to understand and walks you through step-by-step. In addition to Kevin’s wealth of knowledge, you gain access to his exceptional planning software. All around an amazing experience working with HCP Wealth Planning, and I would highly recommend.

-Kyann M

HCP Wealth Planning is great! I thought I had a decent understanding of my finances, and Kevin blew me away with his knowledge and specific insights for my family's needs. My wife recently stopped working to stay home with our young son, and we engaged HCP to help us review our

-Scott S

We Partner With People Under 60 To Guide Them Through Two Distinct Phases Of Financial Life Planning. Which One Are You In?

Phase 1: Make It Grow

The planning experience in this stage is designed for people who are still working and are being forced to balance multiple financial goals such as retiring as soon as possible, buying a house, paying off student debt, and saving for college, all while growing your assets, family, and your career. We will help you create a plan that grows the wealth you will need to retire early, without having to sacrifice your happiness in the present. We focus on:

  • calculating exactly how much to save in which types of accounts
  • growing your assets through disciplined investing
  • tackling student loans and other debt
  • planning for large financial goals such as home purchases, college expenses, weddings, etc
  • managing your cash flow
  • unbiased 401(k) and 403(b) plan reviews
  • organizing your financial life
  • making sure you have proper insurance coverage
  • managing life transitions such as going back to school, starting a business, or taking a temporary work sabbatical

Phase 2: Make It Flow

This planning experience is designed for those who are in the last stage of their career and are ready to consider what life looks like after work. Retiring in your 40's, 50's, or early 60's is more challenging than retiring when you are already old enough to benefit from Social Security Income, Medicare, and pensions. You need a plan that enables you to create your own paycheck from your assets, before those other benefits kick in later in life.  You also need a tax efficient income plan for when you start receiving those benefits. We focus on creating lifetime income and minimizing taxes through:

  • future cash flow analysis
  • tax minimization
  • social security optimization
  • healthcare expense planning
  • pension option analysis
  • unbiased rollover analysis
  • strategic withdrawal sequencing
  • tax efficient Roth conversion strategies
  • strategic asset location
  • asset allocation and rebalancing
  • portfolio stress-testing

Why Trust Us?

Fiduciary Financial AdvisorFiduciaries 100% of the Time

As CFP®s working for an independent Registered Investment Advisor Firm, we are required to act as fiduciaries 100% of the time. This is different from CFP®s who work at brokerage firms or hybrid firms. 

Flat Fee Financial AdvisorsTransparent, Flat Fees. No Commissions. Ever

Unlike the vast majority of firms, we charge a fixed, flat dollar fee  because we believe the amount you pay your advisor should be based on the services you actually receive, not how much you invest or how much wealth you already have.

comprehensive financial planning processCollaborative and Comprehensive

Our planning process is effective in getting real results because it focuses on your entire financial life and puts you in the driver’s seat. We recognize that while we may have professional expertise, you are the expert on your own lives. We unite the two so that we can make good decisions together.

virtual financial advisor

Meet With Us Anytime 

 We understand that younger clients want advice anytime, anywhere, and they don't want to have to drive to a stuffy office to get it. Our meetings are conducted online or on the phone. This allows us to meet with you around your busy schedules including weekends. 

Worried About The Markets?

Organize Your Financial Life

We Believe Financial Advice Should Be Free Of Product Sales

Flat Fee Financial Advisors Based In Jacksonville, FL and Serving Clients Nationwide Through Virtual Meetings

"I believe REAL financial advice should be about more than just your investments and it should be free of product sales. It should be about connecting whatever resources you have with the life you truly want to live.

Kevin Burkle, CFP® and CSLP® Photo Kevin Burkle, CFP® and CSLP® Hover Photo

Kevin Burkle, CFP® and CSLP®

Founder | Financial Planner

P: 904-419-3784

CFP® and Proud Member Of:

Who Do I Help?

I partner with people under 60 who want to be able to experience the financial clarity and confidence that comes from creating a hyper-personalized roadmap for achieving their financial goals. They share my belief that money and wealth are just a means to an end and that time is the most valuable asset. The purpose behind building wealth is to use it to provide you complete freedom of choice when it comes to how you spend that time.  Clients who work with us are seeking custom financial guidance from a Certified Financial Planner™  who is in a position to deliver unbiased advice 100% of the time. They prefer to pay a simple flat dollar fee instead of being charged based on how much they have to invest (assets under management, or AUM fee). 

Why Do I Do This?

My favorite part of my job is when it doesn't feel like a job.  And that happens when I'm in the middle of meetings with clients, and I start to notice a subtle (and sometimes not so subtle) shift in their body language, facial expressions, and their tone of voice as it starts to sink in for them that they actually have a plan in place and they know they are making the best possible choices when it comes to their financial lives. To know that I have helped transform their mindset in such a positive way, simply through the power of real financial planning, brings me a ton of personal satisfaction and it's the reason I could see myself doing this for decades to come.

Why Did I Start My Own Firm

The longer I've been in the financial advice industry, the more it has become clear to me that it needs to change if advisors ever want it to be a truly trusted profession. When I made the decision to found HCP Wealth Planning, I embarked on a mission to create a more effective financial planning experience that eliminates the sales-based advice and conflicts of interest that plague our industry.  I also wanted to be able to help those who may be turned away by other more traditional advisors simply because they didn't have enough assets saved up yet. The only way I knew how to accomplish this was to build my own firm with a flat fee pricing model. 

My Background

I grew up in North Carolina, but I currently live in Jacksonville, FL with my wife Melissa, our daughter Cameron, our son Julian, and our mini schnauzer, Louie. My passion for finance began in high school when I started following the stock market just before the dot-com crash and quickly learned the importance of diversification. It turns out that putting all my money from my part-time job into a single company's stock based on the advice of some random dude in the local newspaper was not a good idea. Eventually, this led me to obtain a degree in finance from North Carolina State University. Upon graduation, I spent the next twelve years working for one of the major brokerage firms where a lot of my time was spent providing financial advice to employees of some of the largest hospital systems in the country.  

I live close to the beach and I love to simply spend time out there with my family and friends.  I'm a die-hard football fan (still working on turning my wife into the same).  When I can find the time, I do enjoy going on a long run and hope to one day participate in The Southernmost Marathon in Key West. The past few years I've been attempting to make myself a better cook and figure out out to make all of my wife's delicious family recipes myself.  Any time spent playing with my children is my favorite part of each day.

What Are My Designations?

I became a CERTIFIED FINANCIAL PLANNER™ (CFP®)  in 2012. After that, I realized just how much my generation is struggling with student loan debt.  It also became clear that there are not a lot of financial advisors out there who are qualified to help with what is increasingly becoming the number one financial priority for medical professionals.  I wanted to make sure I had the expertise to competently identify the best student loan debt strategies for my clients, so I became a Certified Student Loan Professional (CSLP®).

See How I Can Make a Difference in Your Financial Wellness

Comprehensive Financial Advice That Includes More Than Just Investment Management

Our Solutions Include

flat fee investment management

Investment Management Included 

In addition to helping you select the investments in your employer-sponsored retirement accounts, we strategically manage your other non-employer investment accounts when appropriate (Traditional and Roth IRAs, taxable brokerage accounts, Solo 401k's, SEP IRAs, etc).  This service is included in our Unlimited Plan along with all the above services for one simple, flat fee.  

low cost investment management

Our unique portfolio management strategies are anything but cookie-cutter. They combine active and passive management to keep costs low and minimize taxes, while attempting to maximize risk adjusted returns. Since we charge a flat dollar fee, the amount you pay us each year doesn't increase just because your portfolio balance does.

Learn About Our Unique Hybrid Investment Approach

Simple Flat Fees That Remove Conflicts Of Interest

We Offer Two Flat Fee Service Models

Unlimited Plan

This is designed for those who are seeking an ongoing relationship that includes financial planning, tax planning, investment management, and all our other solutions for one all-inclusive fee that doesn't increase just because your portfolio balance increases.  We provide an extremely hands-on and personal client experience. Because of this, we limit the number of households in the Unlimited Plan to forty so we can dedicate the time necessary to deliver a world class experience. 

By The Gig Plan

Do you have a fear of commitment? That's OK! For those of you who don't need ongoing professional investment management or just need help getting organized and advice on a few topics, we are happy to provide our "By The Gig" project plans.  Over the course of four to five meetings, we'll accomplish everything you need for a pre-determined, flat fee, without you having to agree to continuously work with us year after year. For less than most people spend on dining out each month, you can create a plan to secure your financial future. 

Which Service Model Is Best For You?

The Unlimited Plan

Through our flat rate billed monthly, we engage in financial planning, investment management, and tax planning as we address every aspect of your financial life. Together we'll help you organize your finances and create your personal financial portal so you can easily track your entire financial life, anytime, anywhere. In the beginning stage of our relationship, we will conduct multiple meetings to help you define your short and long-term goals, and build a plan to achieve them. After that, we will continue to meet at least three times a year to adapt that plan as your life changes. In between those official meetings, you have unlimited access to us and we encourage you to reach out with any concerns or simply to share any good news about the things that are happening in your life. Our unlimited plan includes everything you see on our solutions page including investment management.

See What's Included

$375/Month Regardless Of Portfolio Size

By The Gig

With this model, each "Gig" is a project plan that consists of four to five meetings to organize your financial life and address your top financial priorities. This service is designed for anyone, regardless of income or net worth. Every "By The Gig" client receives the following services:

  • We will help you organize your finances and create your personal financial portal so you can continuously track your entire financial life 24/7 using our mobile app.
  • We will help you determine your top financial priorities.
  • We will conduct online meetings where we provide custom, straightforward recommendations.  
  • We won't just give you a to-do list. We will help you implement those recommendations.
  • If you need our help again in the future, you can simply schedule another "gig".
$500 to $3000 (can be divided into 6 monthly payments)

Not ready to commit? You can schedule an informal video chat to get to know us better. If you live in the Jacksonville area, we would also love to meet you for a coffee or drink

Schedule Your Complimentary Meeting

Flat Fee Financial Advisors: The Smartest Way To Pay For Financial Planning

The financial advice industry is riddled with conflicts of interest and and the typical method for charging fees is a big reason why

At HCP Wealth Planning, we believe the fees you pay your advisor should only be based on the expertise and services you receive, not the size of your portfolio. We don't think it's fair that someone should pay an advisor higher fees, just because they have more money. Why is this? Because the little secret that many financial advisors don't want you to know is that it generally doesn't cost them any more time or require any more expertise to manage a $1,000,000 portfolio than it does a $100,000 portfolio.  Just because someone has a larger portfolio, that doesn't automatically mean their financial planning needs are more complex. Unfortunately this type of pricing model, which is known as the Assets Under Management (AUM) model, is still the most popular fee method in the industry.  Take a look at the below chart which reflects the difference in fees between our flat fee "Unlimited Plan" option, versus the industry average AUM fees. 

Flat Fee Financial Advisors

 *The AUM fees used in the below chart are from the AdvisoryHQ study, "Average Financial Advisor Fees and Costs, 2019 Report"

A Pricing Model That's Perfect For Younger Clients

Not only does the AUM model create conflicts of interest, it creates incentives for advisors to purposely try to avoid working with younger professionals simply because they don't yet have enough money to invest to make it worth the advisor's time. Many of these younger people need more financial guidance than anyone. Whether you are seeking an ongoing relationship with an advisor through our "unlimited plan" or wanting to work with us through our "by the gig" plans, our pricing model makes more sense. 

Conflicts of Interest

One of the biggest issues with the traditional AUM model is that it creates many conflicts of interest when the advisor is delivering advice.  

  • Paying off debt:  What happens if it's in your best interest to pay down debt such as student loans or paying down a mortgage? That means less money to invest and less money in your advisor's pocket. They have a financial incentive to recommend you do not pay off that debt.
  • Real Estate Investing: What if it makes more sense for you to diversify some of your savings and create passive income by investing in real estate? Let's say for example you want to spend $200,000 on a rental property. That's $200,000 that could otherwise be in your investment portfolio which means your advisor could be making $2000 per year in fees from that money. Can you trust that advisor to be unbiased when helping you decide if that rental property is a good investment? The same applies if you are considering paying a lump sum to buy into a business. 
  • Inheritance: Over the course of the next couple of decades, the greatest generational wealth transfer will take place. Let's say you inherit an IRA worth $200,000 and it makes sense for your advisor to invest that for you. Should your advisor all of a sudden be paid $2000 more a year because you inherited this money, even though it will barely take them any more time to invest it? What if you inherit $500,000 or even $1,000,000?  Should they all of a sudden be paid $5,000 or $10,000 more per year?
  • Social Security: In many scenarios, it makes sense to delay receiving Social Security benefits until you are eligible for the max benefit at age 70. This can be true even if delaying SS means you have to draw down more of your investments in the mean time. In this instance, your financial advisor has a financial incentive to recommend you take SS as early as possible, to reduce the drawdown of your investments and therefore prevent their fees from decreasing.
  • The Rollover Conversation: There are many scenarios where it could be in your best interest not to rollover your 401(k) or 403(b) after you stop working for your employer. But if the only way an AUM advisor is going to get paid is by managing those investments in an IRA, they have a financial incentive to convince you to rollover out of your 401k and into an IRA.   A flat fee advisor can give you an unbiased recommendation on whether or not to rollover because they get paid the same amount no matter how much you invest with them. 

The Typical AUM Advisor Excuses:

1) They will tell you that with the AUM model, their fees actually decrease if your portfolio value decreases.  So this provides them extra incentive to get you the best returns as compared to a flat fee advisor. There are multiple issues with this excuse:

  • Sure, over a short period of time, the markets may drop and your portfolio may decrease in value, so your advisor's fees temporarily decrease. But if you have a long term relationship with your advisor, odds are that over time, your portfolio value will increase and therefore your fees will increase. This is true even accounting for short term market corrections.  In fact, after every single stock market correction in history, the market has gone on to reach all time highs. 
  • If your advisor's fees stand to increase if your portfolio balance grows, don't they a financial incentive to take on more risk in order to try to achieve higher returns?

2) They will say that a flat fee financial advisor has no financial incentive to try to get you the best returns on your investments since flat fee advisors get paid the same no matter how your portfolio is performing.

  • This couldn't be any further from the truth. Most flat fee advisors charge their fees on a monthly or quarterly basis. What's more, is these fees are right in your face since you usually pay them with a debit or credit credit card, or as a recurring draft out of your checking account.  Under the flat fee model, you know EXACTLY how much you are paying your advisor, and if you aren't happy with any part of your service, portfolio performance or otherwise, you can simply cancel the relationship before the next month's payment.  This creates extra pressure for a flat fee advisor to deliver an amazing client experience.
  • The majority of clients who work with an AUM advisor could not tell you exactly how much in dollar terms they paid their advisor last quarter. This is because those fees are buried in account statements that you probably won't look at and it's unlikely that advisor is going to be proactive in explicitly telling you how much you paid.  This is less likely to happen when you see the transaction fees on your bank account statements every month. 

If 100% of your advisor's fees are based on your investments, how much time are they really going to want to spend discussing and helping you with other aspects of your life that are just as important?

At HCP Wealth Planning, we believe that creating and maintaining a suitable investment strategy needs to be a part of the financial planning process, but not the only part.  Our flat fee solutions include helping you with every aspect of your financial life.  Whether you already have over $500,000 in investments, or are just getting started with investing, our unique "Unlimited Plan" and "By the Gig" flat fee models allow us to provide you custom, comprehensive financial advice. 

Learn More About How We Specialize In Helping People Under 60 Achieve Financial Independence

How It Works

Unlimited Plan Clients:

Once we build out your financial foundation and address everything on the agreed upon initial to do list (we will hold as many meetings as necessary to do this), we will hold three official meetings each calendar year. In between, we will proactively stay in contact with you via email.  Our team of experts will continue to manage your portfolios and make changes as they deem necessary. We also highly encourage you to reach out to us in between each official meeting whenever you feel the need. This could be because you have experienced a life event, you are contemplating a life change, you have concerns about your plan, the markets, or anything else. We also love to simply hear from you about any positive changes or events that have happened in your life.

Personalized financial planning

By The Gig Clients:

Step 1: We begin by helping you determine your top priorities and provide an agreed upon scope of engagement which will include what topics will be discussed in our meetings, and the price. 

Step 2: We help you organize your finances and create your personal financial portal.

Step 3: We conduct online video meetings where we provide custom, straightforward recommendations based on your top financial priorities. 

Step 4: We help you you implement the recommendations and provide you a detailed summary.

Step 5: You can take advantage of having 90 days of unlimited email follow up if you end up having any additional questions. 

Step 6: You can continue to track your financial life and progress towards your goals in your personal financial portal using our custom app.

Ready To Take The First Step?

Let's Get Started

Ready To Schedule A Complimentary Video Meeting Or Phone Call With A Flat-Fee CFP®?

No Need To Play Phone Tag

Whether you're ready to schedule a free video meeting so we can get to know each other better and we can provide you a live tour of our client experience, or you just want to chat over an informal phone call to ask us some questions, we encourage you to use our calendar link below so you know exactly when we will be connecting. 

This won't be a canned "strategy session" with a high pressure sales pitch at the end. This first connection simply arms us both with more information so we can begin to determine if we might be a good fit for each other.  If we aren't, we will do our best to refer you to another firm who may serve you better.

View Our Calendar To Schedule A Free Call Or Video-Meeting

Prefer To Start With An Email?

Email us at kevinburkle@hcpwealth.com and let us know what's on your mind. We promise to respond within 24 hours (usually less).

HCP Wealth Planning Jacksonville Fl 13740 Hidden Oaks Lane Jacksonville Fl, 32225