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As A Flat-Fee Financial Advisor I Help People Create And Implement Detailed Financial Plans Without Requiring Ongoing Portfolio Management

Complete Transparency | No Sales Pitches | No Hidden Fees

Map Your Wealth With a Flat Fee Advisor

Save and Invest Smarter
Optimize Current And Future Income
Minimize Taxes



When Can I Make Work Optional?

Can We Afford______?

Will We Be Okay If______? 

What Else Should We Consider?

It's impossible to answer these questions with any degree of certainty, without a proper financial plan. The challenge for many people seeking financial advice is that most advisors don't want to spend the time it takes to create a truly personalized plan unless you agree to pay them to manage your investments. I don't think that's right. 

I will partner with you to create a comprehensive plan which includes specific investment recommendations and help with implementing my recommendations. I will also educate you throughout the entire process so that you gain enough knowledge that you don't have to be forced to pay an advisor expensive fees year after year. This is the next generation of financial planning.



I Guide People Through Two Distinct Phases Of Financial Life Planning. Which One Are You In?

Young Professionals

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
  • 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

Pre-Retirees

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. I 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
  • portfolio stress-testing


Why Trust Me?

Fiduciary Financial AdvisorI Am 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. 


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

Unlike the vast majority of firms, I charge a fixed, flat dollar fee. This means my compensation doesn't change based on the advice I give you, which eliminates conflicts of interest. I don't sell insurance products or any types of investments. I don't get paid to refer you to any other professionals in my network. This allows me to focus on one thing only: giving you the best advice possible.

comprehensive financial planning processCollaborative and Comprehensive

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

virtual financial advisor

Meet When It's Convenient For You

 I understand most people want advice anytime, anywhere, and they don't want to have to drive to a stuffy office to get it. My meetings are conducted online or on the phone. This allows me to meet with you around your busy schedules, including weekends. 


Organizing Your Financial Life Is Just The Beginning


Map Your Wealth With An Advice-Only Financial Advisor



The "Map Your Wealth" Process And Pricing

My planning experience generally consists of three to five meetings over the course of one to three months

*The "Map Your Wealth" process is extremely thorough. Because of this, I am only willing to partner with a maximum of five new households per month. So I can't just take on anyone is willing to pay me.   If you are considering partnering with me, please be in a place in your life where you have the time and the drive to take a deep dive into the Map Your Wealth Process. 

First Time Clients

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

I 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 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: The Decision

After our initial meeting, I'll think long and hard about exactly what I would need to do to help you accomplish everything you are expecting to by hiring a financial advisor. I'll will then send you an official planning proposal that outlines those steps. If you decide my services are exactly what you are looking for, great! I'll  ask you to sign a client agreement and then we will move on to step three. If not, no worries! If you wish, I can refer you to other flat-fee firms who I think could be a better fit.

Step 3: 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. We will also use the portal to conduct live planning sessions in the next steps.

Step 4: Review Your Goals And Assumptions

We will conduct a video meeting where we review all the information in your new client portal and take a deep dive into your goals. Often times people sell themselves short and dismiss things as being financially impossible without actually crunching the numbers, when in fact, they are possible. So during this step in the process, we encourage you to shoot for the stars when it comes to your goals. We also fine-tune other assumptions that will be built into your plan such as future health care costs, vehicle purchases, financial support for children or parents, changes over time to your spending on essentials and travel, changes to your housing situation, and more. After this meeting, I will use all the information we have collected thus far, and perform a compehensive analysis of your current and future cash flows. By leveraging this information, and our financial planning expertise, I will then create multiple rough draft planning scenarios which we will then review in our next meeting. 

Step 5: Your First Explore The Possibilities Meeting

We will conduct a live video meeting where I share my screen as we update and compare various planning scenarios in real time. Since we unfortunately don't have unlimited financial resources, we will need to consider and evaluate multiple trade-offs. This step in the process provides the framework for you to visualize the projected outcomes of these trade-offs, so you can determine what is most important to you, and make the best possible decisions when it comes to allocating your financial resources.  Sure, you want to make sure you have a plan so that you don't run out of money in retirement, and I'll will be able to show you the likelihood of that happening, even in worst case scenarios.  But we also don't want to sacrifice too much of what makes you happy in the present. Properly allocating your resources towards both is a balancing act and we will guide you through it. 

Step 6: Review Investments and Insurance Meeting

Advice-only planning doesn't mean I ignore your investments. Far from it. This is where we determine exactly how you should be investing in any applicable accounts. For any 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 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.

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 applicable insurance. 

Step 7: Second Explore The Possibilities Meeting:

After the first explore the possibilities meeting, clients 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. If after this meeting you feel the need for another one, I am happy to oblige. After this, we will work on implementing any action items that still need to be taken care of. 

Step 8: Your Final Plan Summary

I will create and send you a final plan summary. Nope, this won't be a 40-page book of charts and numbers that you end up using as a door stop. It doesn't need to be that long because even after our planning engagement is complete, you will continue to have free access to your client portal and view all the information we have discussed over the course of our meetings. But my summary will provide an easy to digest review of all of the key planning points.

Taxes:

You will notice there is no separate step for reviewing your taxes.  As part of the initial getting organized process, I do ask you to provide a recent tax return (many financial planners don't bother to do this) so that I can review it and identify any planning opportunities.  But taxes typically play some kind of role in almost every financial decision you make. So throughout the entire Map Your Wealth Process, I remain constantly aware of how taxes may impact any of the financial levers we are pulling and will do my best to help you minimize them as much as possible. 

Step 9: Continue to track your financial life and progress towards your goals in your personal financial portal

You will continue to have access to your personalized financial portal. This means you can continue to leverage the budgeting tool, track your account balances and net worth, and even access the planning module to "pull on the financial levers" yourself so you can see the results. Don't forget, 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

$2400 Divided Into Six Monthly Payments ($400/month for six months)

Repeat Clients

Should you ever feel the need to review your plan again, 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 wil ltake less of our time, so the pricing will be 50% less than your initial fee.

Unbiased Feedback From Actual Clients Who Have Experienced The "Map Your Wealth" Process:

*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 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


Interested In A Live Step By Step Tour Of Our 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

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.  

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. 

No 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.  And if you are deciding between rolling over a lump sum pension or annuitizing it as monthly payments, which option do you think an AUM advisor prefers?

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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I Believe Financial Advice Should Be Free Of Product Sales

Flat Fee Financial Advisor 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
kevinburkle@hcpwealth.com


CFP® and Proud Member Of:

Who Do I Help?

I partner with young professionals and pre-retirees 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. You understand that in order to achieve big things, with your finances or otherwise, you may have to sacrifice other things that you value less.

You want to partner with a financial planner who actually takes the time to gain a deep understanding of what you value and want most so that they can serve as a trusted guide ensuring your financial plan lands you right where you want to be. You know that once they understand where you want to go,  they can help you get there, honestly and effectively.  

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).  Many had been on the fence about hiring an advisor for quite some time. This is mostly because they were concerned about getting advice that isn't in their own best interest, or that they wouldn't find enough value in the financial planning process. Once we conducted a complimentary meeting to show them the value of creating a future proof plan, and a step by step tour of how we go about doing that, they realized that continuing what they were doing (or not doing) and hoping for the best was a gamble they didn't want to risk regretting down the road. 

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 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, or they prefer to manage them on their own. 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. For the past few years, I've been attempting to make myself a better cook and figure out how 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.


See How I Can Make a Difference in Your Financial Wellness

 Advice Only Financial Advisor Based In Jacksonville, FL and Partnering With Families Nationwide

Based 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.  

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, I'll will do my best to refer you to another flat fee firm who may serve you better.  ( I don't get paid referral fees. I just want to help you find the support you need).

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