Sextant — Fee-only financial planning, one flat annual fee

Who we serve

Three kinds of voyage, one way of navigating.

The first real plan

Two incomes, a mortgage question, a 529 you opened and half forgot. We turn the pile of accounts into one picture and a short list of next moves.

Tangled money

When the business checkbook and the family checkbook share a wall, we untangle owner pay, taxes, and what the business owes your future.

The decade before

Ten years out is when decisions stop being reversible. We chart the glide path: what to sell, what to keep, when the paychecks can safely stop.

How a plan happens

Four steps. No mystery.

A first conversation that costs nothing

Forty-five minutes, no documents, no pitch. You talk, we listen, both sides decide whether it fits.

The full picture

Every account, policy, and debt on one chart. Most clients see their whole financial life in one place for the first time.

The plan, in plain English

Ten pages, not eighty. What to do, in what order, and what waiting costs.

Quarterly course corrections

Markets drift, tax law changes, life happens. We meet every quarter and adjust the heading, not the destination.

Two chairs at a small table, one document, a warm lamp

The fee, out loud

You will never wonder what we cost.

One flat annual fee, set by the complexity of your situation and agreed before we start. It does not float with the market, and it does not hide inside a product.

An antique brass sextant on a dark wood desk beside reading glasses

Harbor

Salaries, first investments, one or two accounts. A young family's first real plan.

$4,800per year

Coastal

Equity comp, a rental, a business on the side. More moving parts than weekends.

$7,200per year

Open water

Business ownership, multiple entities, estate work in motion. The full chart.

$9,600per year

Billed quarterly. Quoted in the second meeting, never raised mid-year.

What we never take: commissions, referral fees, or a percentage of your assets. Our only revenue is the fee above, paid by you.

We act in your interest alone, on every account and at every decision. We are paid one flat fee, by you and no one else. If our interest and yours should ever pull apart, you will hear it from us first, in plain English, before anything is signed.

Arjun MehtaCFP®, Principal

Claire WhitfieldCFP®, Principal

What we manage

The whole chart, not just the portfolio.

PlanningCash flow, goals, insurance, the order of operations.
InvestmentsLow-cost and boring on purpose. Rebalanced on schedule, never sold to you.
Tax coordinationWe plan the year with your CPA, so April is arithmetic instead of news.
Estate basicsWills, beneficiaries, titling. Kept current, coordinated with your attorney.

The advisors

Two names on the door. Both at your table.

Arjun Mehta

CFP® · Principal · 22 years of plans

Has steered clients through three bear markets and can say the job in four words: no surprises you didn't choose.

Claire Whitfield

CFP® · Principal · former tax attorney

Left tax law because she liked the people more than the memo. Explains any strategy on one page, or won't recommend it.

The honest fine print. Investing involves risk, including the possible loss of principal, and no plan removes it. Ours names the risk, sizes it, and decides in advance what we do when it shows up. We do not promise market-beating returns or calm seas. We promise the fee, the pledge, and a straight answer.

Fair questions

Asked by nearly everyone, answered straight.

Is there a minimum?

No asset minimum. The fee is priced on complexity, not on wealth, so a young family with one tangle gets the same fiduciary care as a founder with nine.

Do I have to move my accounts?

Usually not. We advise on accounts where they already live when the custodian allows it. If moving genuinely helps you, we will say why in writing, and the choice stays yours.

How do we pay you?

By invoice, quarterly, from the account you choose. Never from commissions, never as a percentage skimmed from your portfolio. If you can't find a firm's fee, someone is hiding it. You can always find ours.

Do you sell anything?

No. No funds of our own, no insurance, no annuities, no referral arrangements. When a plan calls for a product, we shop the market and take nothing from the seller.

The first conversation costs nothing.

Forty-five minutes, by phone or across the table with two chairs. Bring nothing. If we are not the right firm, we will tell you who is.

Book a first conversation Or call (555) 555-0184. A person answers.

The chart room keeps evening hours.

Office

40 Meridian Wharf, Suite 3
Harwich Point
Open in Maps

The brick building at the harbor end, brass lamp in the window.

Hours

Mon – Thu9 – 5
Friday9 – 1
EveningsBy appointment
WeekendsClosed

Write or call

hello@sextant.example
(555) 555-0184

Replies within one business day, from an advisor, not an inbox robot.