Flat-Fee Retirement Planning You Control
Keep your accounts. Pay once for the plan. Stop paying a percentage every year.
Foxholm Financial is a fee-only, advice-only firm in Georgia, serving STEM professionals and educators across the Southeast in the years right before and after retirement. Many people at this stage are not looking for someone to manage their money for a percentage every year. What they need instead is a clear plan for turning decades of saving into reliable retirement income, a professional to pressure-test it, and the ability to keep full control of their own accounts.
No products to buy. No commissions. No percentage-of-assets fee that grows every year. On a $1.5 million portfolio, a typical 1% management fee costs $15,000 a year, every year. The work here is a flat fee instead. You pay once for the plan, keep your assets, and get the analysis and teaching to run it yourself.
You work directly with Robert Stowe, AAMS®
Fee-Only Fiduciary, Owner of Foxholm Financial
Every conversation, analysis, and deliverable comes directly from Robert. No junior associate picks up your file partway through. His background is more than fifteen years in FinTech engineering, building the systems that move institutional money under audited security-and-controls standards (SOC 2 Type II), and he brings that same evidence-and-controls discipline to your plan, with thorough analysis, clear reasoning, and a recommendation you can trace to your own situation. You get the analysis and the teaching to run the plan yourself.
The $900 Strategic Portfolio Review
A flat fee. A written plan. You keep control of every account.
Lifetime Spending Analysis
A clear, evidence-based estimate of how much you can sustainably spend and how long your savings may last. We model sequence-of-returns risk so the plan can account for a bad market early in retirement.
Full Portfolio Review
A line-by-line look at your holdings for fee drag, fund overlap, hidden concentration, and forgotten old accounts, with a written roadmap to bring it back into order.
Roth, Social Security, and Medicare Timing
The tax-heavy decisions of the retirement transition, coordinated: Roth conversion sequencing, when to claim Social Security, and the income thresholds that trigger Medicare surcharges (IRMAA).
You Keep Control
Foxholm Financial does not take custody of your money. Your accounts stay in your name, at your custodian. You decide which recommendations to act on and carry them out yourself, and there is no ongoing management unless you choose to re-engage.
$900 flat fee for the full Strategic Portfolio Review, or $300 for a focused second opinion. No percentage-of-assets fees. No commissions. No asset minimums.
Why Advice-Only
Commission-Free
Compensation comes from your fee, not from selling products. There is no incentive to steer you toward one investment over another.
For Educators and STEM Pros
Teachers and professors weighing whether to leave high-fee 403(b) and 457(b) annuities, comparing pension elections, and re-planning Social Security after the 2025 repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). STEM professionals turning decades of saving into reliable retirement income, including winding down concentrated employer stock.
Georgia-Rooted
A small Georgia practice serving clients across the Southeast. You work directly with the advisor, from the first message to the final review.
Find Robert Stowe on the Advice-Only Network
The Advice-Only Network lists fiduciary advisors who give advice without selling products or managing your money for a percentage. View the full profile, see the fee structure, and book a time to talk.
Schedule on the Advice-Only NetworkReady to Get Started?
Schedule a time on the Advice-Only Network, or send a message to discuss your situation. The first reply comes directly from advisor Robert Stowe, not a sales associate.
Contact UsFoxholm Financial is a Registered Investment Adviser in the State of Georgia. Advisory services are offered only to residents of states where the firm is registered or is exempt from registration. This page is for informational purposes and is not personalized investment advice. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.