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Ongoing Financial Management In Vermont

A continuing, fee-only relationship where we manage your portfolio, keep your plan on track, and stay reachable by phone and email through the year, so you can hand off the work with confidence.

Request an Ongoing Management Consultation
100%Fee-based
Since 1996Independent Fiduciary Firm
CFP®Certified Financial Planner™ Professional
VT & NHWinooski & St. Johnsbury Offices

What Ongoing Management Includes

Ongoing service brings your planning and your investment management under one roof. We build the plan, put it into action, and keep it current, so the work of staying on track does not fall to you.

Portfolio Management

We manage your investment accounts on your behalf, keeping the allocation and risk aligned with your retirement goals rather than leaving day-to-day decisions to you.

Comprehensive Planning

All pertinent financial planning is included, from retirement income and Social Security timing to the tax-aware decisions that connect your accounts.

Implementation & Monitoring

We help implement the recommendations and monitor your progress through the year, so you stay on track as circumstances and markets shift.

Phone & Email Support

Your Ongoing relationship includes phone and email support during the year, so questions get answered as they come up, not once a year.

Ongoing Service Fees

  • Minimum annual fee of $5,000. This is the floor for an Ongoing engagement.
  • An Ongoing Financial Planning fee plus an AUM fee of 0.495%. The Assets Under Management fee applies to the assets we manage for you.
  • Planning fees reflect complexity. They are set by the specifics of each client's unique financial situation, not a one-size figure.
  • A first-year discount is available when a client engages one of our One-Time services before becoming an Ongoing client.

Because Milne Financial Planning is fee-only, one hundred percent of our compensation is paid by our clients. We accept no commissions and sell no products, so the advice stays focused on your goals. Exploring a one-time engagement first? See our One-Time Services & Fees.

Why Clients Trust Us With the Work

Handing over the ongoing management of your money is really a decision about whom to trust. Our value comes from independence, transparency, and a standard of care that keeps your interests first.

We are a Vermont firm with offices in Winooski and St. Johnsbury, and we meet with clients face to face. As an independent, fee-only practice, our recommendations answer to your goals, never to a sales quota or a product commission.

  • Fiduciary Standard of Care

    Our advisory recommendations are made in your best interest, designed around your goals rather than product sales.

  • Independent and Fee-Only

    One hundred percent of our compensation is paid by our clients. We accept no commissions and sell no products.

  • Rooted in Vermont Since 1996

    We live and work where our clients do, serving households from our Winooski and St. Johnsbury offices.

  • Coordinated, Ongoing Advice

    Investments, retirement income, and tax-aware planning are managed together, then monitored through the year.

Jamie Milne, CFP

Jamie Milne, CFP®

Founder, Milne Financial Planning

Jamie founded Milne Financial Planning in 1996 to build a completely independent, fee-only firm. A Certified Financial Planner™ professional, he takes his fiduciary oath seriously and centers every planning and investing decision on the client's best interest.

Katheryn Milne

Katheryn Milne

Client Services Manager

A Certified Public Accountant licensed in Vermont, Katheryn brings a strong financial background and an eye for detail to client service, helping answer questions, solve problems, and keep client needs moving forward.

Request an Ongoing Management Consultation

If you would rather hand off the ongoing work of managing your portfolio and keeping your plan on track, we would welcome a conversation. Share a few details and we will reach out to find a time that works for you.

Start a Conversation Prefer to talk now? Call 802-249-7107

Frequently Asked Questions

What is the difference between Ongoing and One-Time services?

A One-Time engagement answers a specific set of questions and gives you a road map to implement yourself. Ongoing service is a continuing relationship in which Milne Financial Planning manages your portfolio, implements the recommendations, monitors that you stay on track, and provides phone and email support during the year. Many clients begin with a One-Time service and later move into an Ongoing relationship.

How much does Ongoing management cost?

Our Ongoing service has a minimum annual fee of $5,000. Fees consist of an Ongoing Financial Planning fee plus an Assets Under Management fee of 0.495%. Planning fees are determined by the complexity of each client's unique financial situation.

Is there a discount if I start with a One-Time service?

Yes. If a client engages one of our One-Time services before becoming an Ongoing client, a discount is available on the first year's Ongoing fee.

What does Ongoing service include?

Ongoing service includes all pertinent financial planning as well as ongoing investment management. We manage your portfolio and do the work, assisting in implementing the recommendations and monitoring that you remain on track. Phone and email support during the year is included.

Does Milne Financial Planning earn commissions?

No. Milne Financial Planning is an independent, fee-only firm. One hundred percent of our compensation is paid by our clients. We accept no commissions and sell no products, so our advice and recommendations stay focused on your goals.

Where are your offices located?

We serve clients from two Vermont offices: 20 West Canal Street, Suite C13, Winooski, VT 05404, and 770 Railroad Street, St. Johnsbury, VT 05819. You can reach us at 802-249-7107.