Flat-Fee Retirement Planning for STEM Professionals and Educators
Fee-only, advice-only planning for the years around retirement. Keep control of your accounts. No AUM fees, no commissions. Based in Georgia, serving the Southeast.
Why Choose Foxholm Financial?
Fee-only, flat-fee planning for STEM professionals, educators, and retirees who value evidence over intuition, with transparent pricing and no assets under management.
Retirement Income Planning
A plan for turning decades of saving into retirement income. Withdrawal sequencing, Roth conversion timing, Social Security decisions, and winding down concentrated employer stock.
Learn MoreTransparent Pricing
Portfolio reviews from $300. Strategic plans for $900. No AUM fees that compound against you over time.
View ServicesYour Independence
We provide the framework; you execute. Your accounts stay in your name, and you retain full control of every decision.
GuidesInstitutional Rigor
We apply quantitative frameworks used in institutional FinTech. Every recommendation is stress-tested and validated with data. Explore our quantitative research to see our methodology.
Our ApproachHow Asset Management Fees Compound
Assets Under Management (AUM) fees grow as your wealth grows, compounding against you over decades.
Starting with $200,000 at age 40? A 0.90% AUM fee could cost you:
For investors comfortable managing their own portfolios, our $900 Strategic Portfolio Review delivers a comprehensive Investment Policy Statement (including specific equity and bond laddering strategies) alongside a lifetime retirement spending analysis, typically identifying cost savings from fund expense ratios, tax inefficiencies, and uncompensated risk, all without ongoing asset-based fees.
Robert Stowe, AAMS®
Owner & Investment Advisor
Robert brings more than 15 years of FinTech engineering leadership to client work, building the institutional systems that move and settle money at major financial firms. He applies that same evidence-over-intuition discipline to the decisions that matter most near retirement, turning a lifetime of saving into reliable income, sequencing withdrawals and Roth conversions, and timing Social Security. Foxholm Financial is a small practice, and Robert handles every engagement personally, from the first message through the final review.
Services
Flat-fee, advice-only planning for STEM professionals, educators, and retirees in Georgia and the Southeast
Strategic Portfolio Review
A dual-pillar engagement: a MaxiFi-powered lifetime spending analysis to test your fixed and discretionary costs, plus a comprehensive Investment Policy Statement (equity allocation & bond ladders). $900 flat fee.
View Samples: Self-Employed Couple | Retired Widow | Lifetime Spending Analysis
Focused Portfolio Review
Professional second opinion on your current holdings with expense and allocation analysis. $300 flat fee.
View Samples: Mid-Career Couple | Tech Executive
Hourly Consulting
Project-based consulting for retirement readiness, Roth conversions, Social Security timing, and 403(b) rollovers. $300/hour.
Retirement & Investment Planning Starting at $300
Get a professional portfolio review, multi-year tax modeling, or investment policy statement. Pay a flat fee for what you need, not 1% of your portfolio every year. No AUM fees that grow as your wealth grows. No minimums. No long-term commitments.
Popular Guides
Free, in-depth guides on the questions Georgia professionals ask most
Georgia 529 Plan Guide
How Georgia's Path2College 529 Plan works, the state tax deduction for GA families, and SECURE 2.0 Roth rollovers.
Georgia Municipal Bonds
A tax-free income strategy using Georgia municipal bonds for residents in higher tax brackets, including GA muni bond funds.
401(k) Rollover Guide
401(k) rollover rules and requirements: direct vs indirect rollovers, the 60-day deadline, and rollover IRA vs staying in plan.
Ready to Get Started?
Send a message to start a direct conversation about your situation, or learn more about working with a fee-only advisor and how our flat-fee services can help you achieve your goals.
Who We Are
A Fee-Only Financial Advisor in Georgia
Foxholm Financial serves STEM professionals, educators, and retirees across Georgia and the Southeast who value evidence over intuition. Core focus areas include retirement income and distribution planning, tax-efficient portfolio construction, Roth conversion and Social Security timing, and winding down concentrated employer stock.
Fiduciary Standard
We work for you, not a brokerage, a bank, or an insurance company. No commissions. No product sales. Our fee-only model is designed to minimize conflicts of interest. When we recommend something, the reason is that we believe it benefits you.
Quantitative Approach
An engineering mindset applied to financial planning: structured analysis, evidence-based decisions, and systematic discipline. We utilize frameworks like Monte Carlo simulations and risk-adjusted return metrics to take emotion out of the process and support disciplined, evidence-based judgment.
Transparent Pricing
$300/hour. All services billed in 15-minute increments. No AUM fees. No hidden costs.
Georgia and the Southeast
Rooted in the Atlanta metro, with virtual planning for clients across the Southeast and in-person house calls in and around Atlanta. Evenings and weekends available, so meetings fit your schedule rather than ours.
You Keep Control
Your accounts stay in your name at your chosen custodian. We provide guidance and recommendations; you decide what to implement. No transfers, no custody, no surrendering access.
Why Clients Choose Us
- Georgia-Based Financial Planning Firm
- AAMS® Certified Advisor
- Data-Driven Analysis & Planning
- Retirement Income Planning
- Fee-Only Fiduciary Model
- No Asset Minimums Required
Disclaimer
*Fee Impact Chart: This hypothetical illustration is for educational purposes only and does not represent actual client performance or predict future results. The simulation assumes a $200,000 initial investment, $850 monthly contributions during the Working phase (Years 1-20), and $4,000 monthly withdrawals with 2.5% annual COLA during the Retirement phase (Years 21-30). The chart assumes a constant 7.00% annualized gross return. The AUM model applies a 0.90% annual advisory fee. The projected "Impact of Asset Management Fees" represents both the actual advisory fees paid and the lost compounded growth on those deducted funds over the 30-year period. Calculations exclude taxes and underlying mutual fund or ETF expense ratios, which would apply equally to both fee models and lower overall returns. Investing involves risk, including the potential loss of principal.