Fee-Based Planning

Fee-Based Planning Services by RBC Consulting Group

Welcome to RBC Consulting Group, your trusted partner in insurance and financial consulting. With our fee-based planning services, we provide comprehensive and personalized financial solutions tailored to your unique needs. Our team of experienced advisors is committed to helping you achieve your financial goals.

Understanding Fee-Based Planning

At RBC Consulting Group, we believe in transparency and client-centered services. Fee-based planning is the foundation of our approach, ensuring that our advice is objective and aligned with your best interests. Unlike commission-based services, where advisors earn a commission from the products they sell, our fee-based model eliminates conflicts of interest and allows us to provide unbiased recommendations.

Our Fee-Based Planning Process

  • Initial Consultation and Goal-Setting:
    •  We start by getting to know you, your financial aspirations, and your priorities. During the initial consultation, we take the time to understand your unique circumstances, risk tolerance, and long-term objectives.


  • Comprehensive Financial Analysis:
    • Our team conducts a thorough evaluation of your current financial situation. We examine your income, expenses, assets, liabilities, investment portfolios, insurance coverage, and estate planning documents. Our advanced tools and software help us gain valuable insights into your financial picture.


  • Personalized Recommendations and Strategies:
    • Based on our analysis, we develop personalized recommendations and strategies tailored to your specific goals. We consider various aspects of your financial life, including investment management, retirement planning, tax optimization, education funding, insurance needs, and estate planning. Our aim is to create a comprehensive plan that addresses all your financial priorities.


  • Implementation and Monitoring:
    • Once you approve the recommended strategies, we assist you in implementing them. Whether it’s opening investment accounts, reallocating assets, or initiating insurance policies, we guide you through the necessary steps. We also establish a monitoring system to regularly review your progress and make adjustments as needed to keep you on track.


  • Ongoing Support and Adjustments:
    • Your financial journey is dynamic, and we are committed to providing ongoing support. We schedule regular meetings to review your plan, assess changes in your life circumstances, and adjust strategies accordingly. Our goal is to ensure that your financial plan remains aligned with your evolving goals and needs

The Benefits of Fee-Based Planning

  • Objective and Unbiased Advice
    • As fee-based advisors, we are not tied to any specific financial products or incentives. This allows us to provide objective advice that prioritizes your financial well-being.
  • Customized and Holistic Approach:
    • We understand that your financial goals are unique. Our fee-based planning approach ensures that your financial strategies are tailored to your specific circumstances, priorities, and risk tolerance. We take a holistic view of your financial life, considering all relevant aspects to develop a comprehensive plan.
  • Access to a Team of Experienced Advisors:
    • Our team consists of skilled and knowledgeable advisors who are dedicated to serving your best interests. With diverse backgrounds and areas of expertise, we bring a wealth of experience to guide you through complex financial decisions.

We invite you to take the next step in securing your financial future:

At RBC Consulting Group, our commitment to providing exceptional financial guidance through Fee-Based Planning remains unwavering. Our team of experienced and dedicated financial advisors is equipped with the knowledge and expertise to tailor comprehensive strategies that align with your unique financial goals and aspirations. By embracing a fee-based approach, we prioritize transparency, objectivity, and accountability, ensuring that our clients’ best interests always come first. Whether you are seeking to grow your wealth, plan for retirement, or navigate complex financial decisions, our Fee-Based Planning service empowers you to make informed choices, navigate the ever-changing financial landscape, and achieve lasting prosperity. Trust in RBC Consulting Group to guide you towards a brighter and more secure financial future.

Ready to take the first step towards a secure financial plan? Contact our team of expert advisors today to schedule a consultation or request more information. We look forward to helping you achieve your financial goals.

Frequently Asked Questions (FAQs)

Fee-based planning is a financial advisory approach where the advisor charges a fee for their services rather than earning commissions from selling financial products. The fee is typically based on a percentage of the client’s assets under management or a flat fee. Unlike commission-based services, fee-based planning eliminates conflicts of interest and ensures that the advisor’s recommendations are unbiased and aligned with the client’s best interests.

Fee structures in fee-based planning can vary depending on the advisor and the complexity of the client’s financial needs. Fees are typically based on a percentage of the assets under management (AUM) or a flat fee. The percentage-based fee can range from 0.5% to 2% of the AUM per year, while flat fees may be based on the scope of the services provided. During the initial consultation, your advisor will discuss and agree upon the fee structure that best suits your financial goals and needs.

Fee-based planning offers several advantages over do-it-yourself investing:

Professional Guidance: Fee-based planning provides you with access to experienced financial advisors who can offer personalized guidance based on your unique financial situation and goals.
Objective Advice: Fee-based advisors have a fiduciary duty to act in your best interests. They are not driven by commissions or sales incentives, ensuring that the advice you receive is objective and aligned with your goals.
Comprehensive Financial Analysis: Fee-based planning involves a thorough evaluation of your financial situation, including investments, retirement planning, tax optimization, and risk management. This holistic approach helps ensure all aspects of your financial life are considered.

Time Savings: By delegating the financial management to professionals, you can free up time to focus on other priorities while having peace of mind that your financial affairs are in capable hands.

Absolutely. Fee-based planning is not limited to individuals with large investment portfolios. Even if you have a smaller portfolio, fee-based planning can provide value by offering personalized advice tailored to your goals and circumstances. Financial advisors can help you create a solid financial plan, optimize your investments, and assist with other financial aspects such as retirement planning, budgeting, and debt management.

The frequency of meetings with your fee-based planning advisor depends on your individual needs and the complexity of your financial situation. Initially, you will meet with your advisor to discuss your goals, gather information, and develop a customized financial plan. Afterward, regular meetings are typically scheduled at least once a year to review your progress, make any necessary adjustments, and address any changes in your circumstances. However, your advisor is available throughout the year to provide ongoing support and guidance whenever you need it.

How We Work


Schedule Discovery Meeting

Schedule an in-depth discovery session to learn more about you and your financial planning history


Meet With Our Agent

This meeting allows us to learn about previous financial planning experience, risk tolerance and your unique goals


Create Customized Plan

RBC Consulting Group puts together a customizable personal financial plan using financial tools to meet your needs


Onboard Client with RBC

Once our clients review and confirm the customized plan meets their needs, we get them signed up and onboarded.

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