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Flat Fee Financial Advisor For People Who Want To Retire Early With Confidence

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What Exactly Does My Financial Planning Experience Include?

Choose The Life Stage Below That Best Describes You


Young Professionals

Advice Only Financial Advisor For Young Families

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. I 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
  • Asset allocation and portolio recommendations
  • Tackling student loans and other debt
  • Employer benefits optimization
  • Planning for large financial goals such as home purchases, college expenses, weddings, etc
  • Managing your cash flow
  • Unbiased rollover advice
  • Unbiased 401(k) and 403(b) plan reviews
  • Organizing your finances in detail
  • Making sure you have proper insurance coverage
  • Managing life transitions

Close To Retirement

Advice Only Financial Advisor For People Close To Retirement

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. We'll focus on creating lifetime income and minimizing taxes through:

  • Tax efficient Roth conversion strategies
  • Tax efficient withdrawal strategies
  • Healthcare expense planning
  • Detailed future cash flow analysis
  • Social Security optimization
  • Pension option analysis
  • Unbiased rollover analysis
  • Strategic asset location
  • Asset allocation and portfolio recommendations
  • Worst case scenario stess testing including projecting the impact of higher taxes, higher inflation, lower returns, decreased SS benefits, stock market crashes early in retirement, longer longevity, and higher healthcare expenses


Kevin Burkle is Flat Fee Financial Advisor For HCP Wealth Planning

Why Trust Kevin Burkle, CFP®?

 I have been a CFP® for 10 years, I've been in the financial advice industry for 15 years, and I started investing when I was 16.  I have a lot of experience and expertise for someone my age. Because of my flat-fee, advice-only financial planning model, you won't ever have to wonder if the advice I'm giving you is truly in your best interest. Without that mental roadblock, we are empowered to really take action and improve your financial wellbeing. 


I Am Required To Act As A Fiduciary 100% of the Time

As a CFP® who operates  an independent Registered Investment Advisor Firm, I am required to act as a fiduciary 100% of the time. This is different from CFP®s or anyone who calls themselves a financial advisor but works at an insurance firm, brokerage firm, or hybrid firm. 


Reduced Conflicts Of Interest When Compared To "Typical" Advisor Model

Unlike the vast majority of firms, I charge a fixed, flat dollar fee that is agreed upon up front. This means my compensation doesn't change based on the advice I give you. The same can not be said for advisors who charge portflio management fees or sell insurance products.

Reviews of HCP Wealth Planning

*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 was on the hunt for a financial advisor to find out if my husband and I can afford retirement. I sat down with various types of financial advisors, some even connected with the bald guy, and all of them are only interested in two things: the size of our portfolio (one of them requires a $1M portfolio), and all of them work using the AUM model, who gets paid based on the size of your portfolio, whether it earns or not.


We went with Kevin of HCP Wealth Planning and we’re so glad we did. Here’s what we got working with him:


1. He is a flat-fee financial advisor, meaning it doesn’t matter what the size of your portfolio is.

2. Great communication via email and virtual meetings. No question was left unanswered.

3. Clarity of our financial picture. We found our biggest money drain.

4. He will make you work by making you visualize and plan what you want to do from here on out, up to the time you retire, and during retirement.

5. His financial software and the cash flow analysis allowed us to see our net worth, and gave us the picture of our spending plan now and during retirement.

6. A withdrawal plan that will put more money in your pocket.

7. Various appointment schedules that will work with your work schedule.

8. Financial literacy. There are no stupid questions when it comes to your hard-earned money, and he answered them all patiently.

9. Peace of mind knowing that we can retire earlier than 65, even pay for health care coverage outside of our employment before Medicare kicks in, even long-term care services.

10. He is not a pushy salesman who makes you buy other financial stuff. He will not make you put your money into an IRA that other financial planners want you to do so they dip into your money (the AUM model).


I can go on and on. If you are looking for a financial planner who has your best interest at heart, you will not regret getting his services.

- Shelly N, Client

I would highly recommend Kevin and have referred others to him for financial planning and advice. He is very thorough and makes recommendations based on his expertise but is also willing to be flexible based on my personal situation. Because of Kevin’s guidance, I feel confident in my financial future and have the tools needed to monitor my progress.

- Lynn H, Client

Kevin was an absolute pleasure to work with he is a knowledgeable financial advisor and cares about his clients. As a registered nurse I’m fortunate to have good income and knew I needed help to make my money work for me other than just saving it. I did a ton of research on financial advisors and found Kevin through an article on a nursing website, this was important to me as he had experience working with other medical professionals. Kevin helped me gain an invaluable amount of knowledge on my personal finances and helped me set up many accounts such as IRAs, HYSA, and brokerage accounts. I can’t say enough good things about Kevin. He is a down to earth guy which makes this process way easier. Communication is key and Kevin excels in this and answered every single question I had. I would 100 percent recommend working with Kevin.

- Erick F, Client

We where delighted to have Kevin's assistance and expertise in helping us work through finances with our international readjustment, college and retirement plans. Kevin took time to get to know us as a family, asking great questions, and was very warm and easy to be with. He responded quickly to any needs we had and was extremely helpful in guiding us with a great plan for the future. We would highly recommend Kevin's work!

- Ali G, Client

I would highly recommend and refer anybody to Kevin. He is very thorough. He educates and most importantly takes time to listen and understand your priorities. Retirement is a big, complex decision. Kevin helps you understand and gives you a roadmap. There is not a single question he could not answer. I really like the flat rate pricing and the ability to access my data even after our evaluation period ended. These are features you don’t get from others.


- Josiah P, Client

My fiancé and I were in desperate need of financial advice. Like most medical professionals and recent graduates, we were going through a unique transitional period with our finances. We reached out to several financial planners with hopes of finding someone to guide us towards the best possible financial outcome. Thankfully, we found Kevin B at HCP Wealth Planning. I can honestly say that Kevin was everything we were looking for in a financial planner. He had clear communication skills and the ability to deliver information in a manner that was easily understood. He helped us create a comprehensive plan for tackling our student loan debt, saving for our wedding/ honeymoon, new home, retirement, investments, etc. We were able to create a spending plan in the HCP financial portal that’s both realistic for our current needs as well as planning and saving for our future. We are pleased with our decision to work with Kevin and would highly recommend him.

- Renee M

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



Organizing Your Financial Life Is Just The Beginning


Map Your Wealth With An Advice-Only Financial Advisor

Process And Pricing

My planning experience generally consists of three to four remote video meetings over the course of one to two months. But you control the pace that we move at. 

Step 1: Getting To Know Each Other (this part is free)

I'll  email you a Financial Life Priorities Questionnaire for you to complete. This will help you really think through what your top financial priorities are. Don't worry, I won't force you to provide me with any account balances or financial details yet. We'll then conduct a complimentary video meeting so we can discuss your questionnaire and goals in more detail.

I'll  also share my screen so I can provide a live tour of the "Map Your Wealth" experience. 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.  

Step 2: Organize Your Financial Life

I'll provide you with my custom digital financial organizer. This online tool will make it easy for you to provide me with all of your financial life details. Once you complete it, we will use the provided information to build your own personalized financial portal and electronically sync all your accounts.

You will then be able to track your entire financial life 24/7 from any device.  This includes account balances, monthly spending, investment allocations and holdings, net worth, and more. We also load any important financial documents to your secure digital vault. That way if something happens to you, your loved ones know where all your accounts and important documents are. 

 Step 3: Review Your Initial Goals And Assumptions

We will conduct a video meeting where we review all the information in your new client portal and discuss the initial planning goals and assumptions we will build into your plans. This is a deep dive conversation which enables us to be extremely thorough when building your plan. However, none of these goals and assumptions will be set in stone.


In fact, most people end up adjusting them after viewing their plan and visualizing how the tradeoffs between these goals and assumptions impact their financial future. And that's one of the greatest benefits of going through this process: determining what your true values are so you can align your money with those values. By the end of this meeting, I will be equipped to create your personalized rough draft planning scenarios.

Step 4: Start To Create An Action Plan

We will conduct a live video meeting where I share my screen as we update and compare various planning scenarios in real time. These scenarios consist of multiple action items/financial levers that I recommend based on your situation. 

Since you most likely don't have unlimited financial resources, you will need to consider and evaluate multiple trade-offs when it comes to allocating your money. Throughout this meeting, we will work towards determining which scenarios make the most sense and deciding on single combination of action items that should be implemented. 

Step 5: Your Investment Strategy

Advice-only planning doesn't mean I ignore your investments. Far from it.  I'll teach you to simplify your investments and manage them yourself so that you can avoid paying a financial advisor potentially thousands of dollars year after year for portfolio management.  We'll determine exactly how you should be investing in any applicable accounts.

For any old or active employer-sponsored plans that you participate in, I will ask you to share your screen as you are logged into those accounts so we can review those plan investment choices, fees and expenses, and resources.  Based on the plan options I will tell you if rollovers make sense, and how to invest in them. 

For any other investment accounts (IRAs, brokerage accounts, etc), I recommend a specific allocation, as well as provide specific model portfolios comprised of low cost ETFs that align with that allocation. If we determine it makes sense to make any changes to your current portfolios, I'll will help you process those online or join in on a conference call with your service provider.

Step 6: Analyze Insurance Coverage Needs And Estate Planning Documents Needed

I will also analyze what type of insurance coverage you should have, and how much. In my experience, this it one of the easiest ways for me to add value to our relationship. All to often, I come across people who follow generic rules of thumb, and are either under-insured, or over-insured. Both can end up costing you or your loved ones either a lot of money, or a lot of heartache.

Don't worry, I don't actually sell insurance or get paid to refer you to anyone who does. So my advice is completely unbiased. But it is my job to know if you are over or under-insured, and to help you shop for the best pricing when it comes to life, property and casualty, disabilty, personal liablility, and any other insurance.

This part of the process also includes me recommending what specific estate planning documents you need. For example, some people think they need a trust when they don't. Some people do need a trust and they don't have one. At the very least everyone should have the essential documents in place. I'll tell you what those are, the various ways to create them, and the cost of doing so. We also make sure you have beneficiaries properly assigned to all your accounts.

Step 7: Follow Up Meeting To Confirm Final Plan And Implement Recommendations

After the first meeting where we explore your rough draft planning scenarios,  you'll probably need time to digest everything that was discussed. After all, it can be a bit overwhelming to have your entire financial life mapped out in front of you for the first time. And I would never expect you to make any big decisions about the tradeoffs you need to make without sleeping on it.

This is especially true if you plan with a significant other as it will be important for you two to discuss everything on your own. Most clients end up thinking it over, and wanting to revise the combination of levers that we are pulling in their planning scenarios. So we conduct another meeting to do just that.

The goal will be to ultimately drill down to a single combination of levers/action items that gives you the best chance of reaching your financial and non-financial goals. After this, we will work on implementing any action items that still need to be taken care of. 

Lastly, we will make sure you know how to navigate and update your personalized financial portal yourself. Why is this important?...

Bonus: Free Ongoing Access To The Tools You Need To Stay On Track

At this point, we've worked so hard to organize your financial life and create a roadmap for your future, so I don't want you to lose access to all of it.  This last step is partly what separates me from a lot of other hourly or project plan advisors. Upon completion of our engagement:

  • You will be granted free, ongoing access to your personalized financial portal. This means you can continue to leverage the budgeting tool, track your account balances, investements, net worth, and update your income, savings, and goals so you can see how those changes impact your projected lifestyle moving forward.
  • Through the portal and app you will receive reminders throughout the year to review various aspects of your financial life. These reminders inlclude educational content so you can learn to do this without having to pay for another financial advisor engagement.  
  • You will also have access to your secure digital vault where all your important documents can be safely stored for your loved ones to access in case something happens to you. 

Pricing

$2100-$2400 All Inclusive Fee 

That's it. There are no other hidden fees or expenses. 

How do you pay it? 

Your fee gets billed as six, equal monthly payments ($350-$400/month). The first payment isn't due until one month after signing the client agreement. You can choose to pay via secure, electronic funds transfers out of your bank account, or via credit card. There is no extra charge to use a credit card so most people choose this option to collect rewards points.

Repeat Clients

My goal is to do such a thorough job of:

  • creating and implementing an action plan
  • showing you how to update your financial portal yourself
  • managing your investments on your own

that you shouldn't feel the need to pay me or any other advisor again unless life throws you a curve ball and your situation has  changed drastically, or you are planning on significant changes. 

When this happens, you can engage me for another plan update. Because I already have your entire financial life in your portal, and we are updating it rather than starting from scratch, this process will take less of our time, so it will cost less. I will quote you a fee based on what you tell me you want to accomplish and how many hours of my time I think it will take. 

Interested In A Live Step By Step Tour Of My Planning Experience? There Are Only Two Potential Outcomes:

  • You determine we are a great fit and you decide to partner with me (our favorite of course).
  • We decide we aren't a great fit, so I refer you to other flat fee-only CFPs who may be better suited for your needs (I don't receive any compensation for referrals but I still want to find you the help you need).
  • By the end of this meeting you will be more educated on what planning needs you may have and what a truly comprehensive financial plan looks like. So you know what to look for when interviewing other advisors if you decide not to partner with me.

Schedule Your Complimentary Meeting

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

Advice Only Financial Advisors: Pay A Simple Flat Fee Based On The Help You Need, Not How Much You Have To Invest

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.  

Advice-Only Planning: Making Holistic Financial Advice Accessible To Everyone Including DIY Investors

What if you don't have a ton of assets saved up yet? What if all of your investments are tied up in your employer-sponsored retirement accounts? What if you simply prefer to manage your investments on your own, or use robo-advisors, or target date funds? If this describes you, the reality is that you may find it difficult to find an actual CFP® who is still willing to help you (unless they plan to try to sell you a product).  None of that matters to us! Because we charge a simple, flat dollar fee, our compensation isn't impacted by how much you have to invest, so we would love the opportunity to help you "Map Your Wealth"  and make the best possible financial decisions. 

Reduce Your 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.  

  • 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.
  • 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.
  • Pension Options:  If you are deciding between rolling over a lump sum pension or annuitizing it as monthly payments, there can be a huge difference in financial advisor compensation between the twp options if they are an AUM advisor. If for example your lump sum option is for $1M, and they charge a 1% AUM fee, they could earn $10k/year more in fees if you decide to rollover that lump sum into an IRA for them to manage. But in many situations, it makes more sense to initialy your pension as a monthly distribution. With this option in this example, the advisor would lose out on $10k/year in fees. This is exactly why you should only have your pension strategy evaulated by a flat-fee advisor. 

The Typical AUM Advisor Excuse:

They will tell you that with the AUM model, their fees actually decrease if your portfolio value decreases.  So their interests are aligned with yours. 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. 

 No Surprises

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. 

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Flat Fee Financial Advice For People Who Want To Retire Early

HCP Wealth Planning Is A Financial Advisor In Jacksonville, FL and Serving Clients Nationwide Through Virtual Meetings


I believe the fees you pay should be based on the advice you actually receive, not how much you have to invest.

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
kevinburkle@hcpwealth.com


CFP® and Proud Member Of:

Who Do I Help?

I help people who don't want to be forced to work until 65 or later. They may choose to work because they like what they do, but they want it to be optional. 

People who choose to partner with me want to be confident that they can retire early without ever having to wonder if they will have to go back to work or be forced to downgrade their lifestyle later on. 

They prefer to work with a planner on a project plan basis for a simple flat fee. They don't want to be forced to pay someone else expensive ongoing portfolio management fees, or be forced to hear an advisor pitch them products, when all they really want is personalized advice about their financial lives.

Why Do I Do This?

I'm a personal finance geek and I love the educational component of the financial planning process. I wholeheartedly believe that financial planning, when done the right way, can truly help people to connect their financial resources with whats really important to them. And I think it's pretty cool to know that I can help people live their best lives. 

Why Did I Start My Own Firm

I did it to become super wealthy. Just kidding. That will never happen with the price I charge and the limited number of clients I choose to work with at one time. But that's totally fine by me.  Owning my own firm has enabled me to design and perfect a flat fee financial planning experience that I'm proud of.  Because I don't have to worry about selling my clients anything, I only have to focus on the best advice possible.  I know a lot of people who work for large brokerage or insurance firms who can't say the same thing. 

My Background

I grew up in North Carolina, but I currently live in Jacksonville, FL with my wife Melissa, our four-year-old daughter Cameron, our two-year-old 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.  I quickly lost my lawn mowing and life guarding money and learned the importance of diversification.

But I was hooked and decided 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 corporations in the country.

I live close to the beach and I love to hang out there with my family and friends.  I'm a die-hard Carolina Panthers fan and can't wait to brainwash my kids into becoming one also. As I've grown older,  I've started to enjoy cooking more and more. I recently got one those high temp outdoor pizza ovens and I'm on a mission to perfect a homeade NY style pizza (my wife is from Jersey and always complains about the crappy pizza here in Jacksonville). If you ever want to talk football or food, I'm your guy.

Ready To Chat?

 Financial Advisor In Jacksonville, FL and Partnering With Families Nationwide

Financial Advisor in Jacksonville, FL and Serving Families Nationwide

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

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


Prefer To Start With An Email?

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


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

Phone

904-419-3784Email

kevinburkle@hcpwealth.com