Keep Your Assets. Take My Advice®

It's not just a catchy slogan. We mean it.

Indispensible Financial Planning.

Keep track of everything in one place.

You do not have to move any accounts to our firm.

Disrupting the status quo.

This is how you should get your advice.

Financial Planning will never be the same.

A Flat Fee Retainer

is quite simply a better way to do business.

Special Pricing until 12/31/2017.

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Explore First Coast Planning, LLC

A New Breed of Flat Fee Retainer Financial Planners

Click here for a one page handout that will explain our competitive advantage.

Why choose Us?

Keep Your Assets. Take My Advice®It is not just a catchy slogan.

We mean it. It means that we can advise you without you having to move any investment accounts. Our online financial planning program can pull in (with your permission) your information so we can advise on it. Not just investment accounts either. We can also pull in retirement accounts (401k's), bank accounts, credit cards, and mortgage loans, too. After all, when you pay for a financial plan, shouldn't it be one that looks at everything?

Why choose Us?

Our Mission is to help you...Make Smart Financial Decisions.

This can be an elusive endeavor without professional financial planning advice. What makes us different is we can look at your entire financial situation without you having to move any accounts. We offer a flat fee annual retainer relationship instead of an assets-under-management relationship. (See Pricing Plans below.) Let us put you on the right path towards financial success. This is what you have been waiting for.

Why choose Us?

What We DoWe give you great advice.

Most financial advisors want you to move your accounts, and commit to paying an assets undermanagement fee. On top of that, their fee can be as high as 2.5% per year. Then, you have to pay transaction costs, fund management fees, sales commissions, and other fees on top of that. Is this in your best interest? Isn't the main reason to hire a financial planner to get help with your financial plan? Or, is it to make your financial advisor rich?

Bronze Plan

per yr.

Silver Plan

per yr.

Gold Plan

per yr.

Platinum Plan

per yr.

Our Certified Financial Planner®

Author of Meet Wally Street. The Reason You're Stupid.®

Available Online at Apple, Amazon, Barnes & Noble and Smashwords for only $3.99.

Rick Johnson

Rick Johnson

Principal
Certified Financial Planner® since December 1, 1992.
B.A. in Criminal Justice, Personal Finance Minor, University of Arkansas-Little Rock.
Also attended the University of North Florida
Baseball Player Rick

Rick Johnson (RJ)

Baseball Player
RJ plays baseball in regional and national tournaments as a member of the Men's Senior Baseball League (MSBL).
For the last 28 years, RJ has played in the MSBL World Series in Phoenix, Arizona and the MSBL Fall Classic in Clearwater, Florida each year in the fall. In addition, he plays in regional baseball tournaments.

"Where else can you get a Financial Plan without having to move your accounts?"

No risk of a Ponzi scheme either.

Explore Our Services

Take a look at what we can do for you.

Financial Plan

Powerful Financial Planning that brings in all of your accounts in one place via secure Account Aggregation. None of your account numbers are disclosed to us during this process.

Cash Flow Based

You really need to know what your cash flow looks like, so when you make decisions, they are smart decisions.

Goals Based

Once we know your cash flow, then we can assign your goals to specific time slots giving you the best chance of achieving those goals.

Bank and Credit Unions

With your permission, we can pull in all of your bank and credit union accounts including checking, savings, credit cards and even personal and mortgage loans. No account numbers are disclosed to us during this process. Yes, we can even pull in your student loans. Think about the fact that we can simplify your life by pulling in everything in one place which is updated from that point forward. It is worth every penny and then some.

Retirement Plans

We can also pull in your retirement plan(s) via Account Aggregation, too. However, we do not count your retirement plans as a part of our fee calculation. We mean it when we say we do things in your best interests.

Investment Accounts

A complete view of all of your investment accounts in one place without your account numbers disclosed! Plus, we can give you fiduciary advice on these accounts without having to move them to our firm! For example, we can make recommendations to move from funds with expense ratios of 1.00% or more to funds with expenses ratios under 0.15%, thus saving you 0.85% right there. This is liable to totally offset our fee and then some depending on the amount of investments that you hold.

We will save you time

Think for a moment about all the time it takes to log onto multiple websites to figure out what is going on in your financial life. It can be a pain in the neck once you consider banks, credit unions, mortgage companies, investment firms, 401k's/403(b)'s/457's and the like. How much time do you spend doing this? We save you that valuable time by allowing you one secure place to log in and see your entire financial life in one place. On top of that, everything is updated from that point forward. This solution greatly simplifies your life.

We Will Save You Money

Our advice will save you money. In almost all cases, we will save you more than our fee by putting you on the proper glidepath and eliminating crappy investments sold to you by other so-called financial advisors. In addition, you will not have to pay for a Financial Plan which can be $2,000 - $3,000 or more and an assets-under-management fee on top of that! If you do want to get away from your current advisor, then we have a robo-advisor solution at wholesale cost until 12/31/2017. It would behoove you to get grandfathered into this special year end pricing. See special pricing below.

A Living, Breathing Financial Plan

As your needs change, we can update your financial plan without any new fees. The $1,200 or $1,800 per year covers it. (See special pricing below.) Most advisors give away their financial plans in order to get you to move your accounts, then their incentive to put forth any effort on your financial plan is diminished as a result. Think about it. Their "free" financial plan is an after-thought once they get your assets under their management. Don't forget their fees can be as high as 2.5% per year, too.

Fair & Reasonable Compensation

There is no obligation to "Try it Out!" Don't be a Chicken!

(Seriously, This will save you money and improve your life!)

**Special Pricing until 12/31/2017**

Bronze Plan

Starter Plan
$1,200 per yr.
  • Includes Online Financial Plan
  • Access to a CFP®
  • Fiduciary Adviser
  • Advice on Existing Accounts
  • Account Aggregation
  • 1 Year Renewable Agreement
  • Tax Strategies Included
  • Cash Flow & Budgeting
  • Tax Withdrawal Strategies Included
  • Social Security Strategies Included
  • Robo Advisor Optional
  • From .30% - .65% per yr.
  • For Households under $100,000
  • (Retirement Plans don't count!)
  • Offer Limited to First
  • 50 households

Silver Plan

Most Popular Plan
$1,800per yr.
  • Includes Online Financial Plan
  • Access to a CFP®
  • Fiduciary Adviser
  • Advice on Existing Accounts
  • Account Aggregation
  • 1 Year Renewable Agreement
  • Tax Strategies Included
  • Cash Flow & Budgeting
  • Tax Withdrawal Strategies Included
  • Social Security Strategies Included
  • Robo Advisor Optional
  • From .30% - .65% per yr.
  • For Households between
  • $100,000 & $200,000
  • (Retirement Plans don't count!)
  • Offer Limited to First
  • 50 households

Gold Plan

Special Pricing until 12/31/17
$1,800per yr.
  • Our Co-Advisor Fee of .75% waived
  • Includes Online Financial Plan
  • Access to a CFP®
  • Fiduciary Adviser
  • Advice on Existing Accounts
  • Account Aggregation
  • 1 Year Renewable Agreement
  • Tax Strategies Included
  • Cash Flow & Budgeting
  • Tax Withdrawal Strategies Included
  • Social Security Strategies Included
  • Robo Advisor Optional
  • From .30% - .65% per yr.
  • For Households between
  • $200,000 and $500,000
  • (Retirement Plans don't count!)
  • Offer Limited to First
  • 50 households

Platinum Plan

Special Pricing until 12/31/17
$1,800per yr.
  • Our Co-Advisor Fee of .50% waived
  • Includes Online Financial Plan
  • Access to a CFP®
  • Fiduciary Adviser
  • Advice on Existing Accounts
  • Account Aggregation
  • 1 Year Renewable Agreement
  • Tax Strategies Included
  • Cash Flow & Budgeting
  • Tax Withdrawal Strategies Included
  • Social Security Strategies Included
  • Robo Advisor Optional
  • From .30% - .65% per yr.
  • For Households over $500,000
  • (Retirement Plans don't count!)
  • Offer Limited to First
  • 25 households

Year-End Special for Gold and Platinum Plans

Until December 31st, 2017, the Gold and Platinum Plans are offered for $1,800 per year with Robo-Advisor Optional.
Clients who subscribe to this special will be grandfathered in for future years at $1,800 per year and . . .
they will also be grandfathered for Robo-Advisor services at wholesale prices, meaning our AUM fee is waived.
The Gold Plan is limited to the first 50 households. The Platinum Plan is limited to the first 25 households.
After December 31st, 2017, this special ends for both the Gold and Platinum Plans.

The Best Interest Process

  • Retirement Plans do not count toward household asset size. (401(k), 403(b), or 457 = Retirement Plans.)
  • Linking your accounts does not obligate you to anything. You can try it out for free.
  • Your account numbers are not disclosed to us. Neither is your Social Security number.
  • You control what we see. Theoretically, you can name your accounts His IRA, Her IRA, and etc.
  • You simply name your accounts like IRA, Roth, Joint, Individual, 401(k), CC #1, CC #2, Loan and etc.
  • The Financial Planning system that we use will notify us when you are finished inputing data.
  • Once the input is completed, then we will contact you for further interest. It is that simple.
  • No high pressure sales. We sincerely want to help you acheive success towards your goals.
  • If no Social Security or account numbers are disclosed to us, then there is no risk to you from hackers!

Change your financial future today!

Watch this 1 minute video for a quick overview of our 24/7 Financial Plan.

For a more indepth view, watch the 17 minute video below.

You are going to love how this simplifies your life!

Watch this 17 minute video when you have uniterrupted time.

After watching it, you will see why you cannot live with out this.

Simplify your life and call 904-460-2700 today!

Copyrights © 2017 All Rights Reserved by Richard Allison Johnson.
Trademarks ® - Keep Your Assets. Take My Advice® is a Registered Trademark with the United States Patent & Trademark Office.
rick@firstcoastplanning.com · (904) 460-2700