You shouldn’t need a glossary to get financial advice.
Flat-fee financial planning for high-income professionals who want more than portfolio management. Taxes, equity comp, cash flow, investing, and family planning.
Starting at $250/month. Your fee reflects the complexity of your situation, not the size of your portfolio.
FLAT FEE / ADVICE ONLY / NO COMMISSIONS / NO ASSET MINIMUMS
What this covers
Your financial life has gotten more complex. This is built for that.
Most people do not need another product pitch or a portfolio review dressed up as planning. They need help making sense of a financial life that has gotten more complex than generic advice can handle.
Taxes
When income rises, taxes stop being background noise. Withholding, estimated payments, multi-state filing, and timing decisions can affect far more than your return.
Equity compensation
RSUs, ESPPs, and options create decisions that spill into taxes, cash flow, concentration risk, and timeline planning. Getting them wrong is expensive.
Cash flow
A high income on paper does not automatically create a system that feels organized or intentional. This is where the gap between earning and building usually lives.
Investing
Your portfolio should support the rest of your plan. It should not become the only thing your advisor wants to talk about.
Family planning
A growing family, a home purchase, or changing responsibilities can reshape timelines, savings decisions, and the flexibility you actually need.
Why this is different
Built around advice. Not assets.
Most firms still center the relationship on portfolio management. That may work if your main question is how to invest a pool of assets. It falls short when your real questions are about taxes, equity comp, cash flow, career decisions, and how one financial choice affects everything else.
Better Wealth Advisory is built differently. The relationship starts with advice, not assets. The fee is flat and ongoing; it is not tied to how much money you move under management or shaped by product commissions.
That makes room for a different kind of relationship. One where you get clear guidance across the full picture, understand the reasoning behind the recommendations, and can ask questions before small issues become expensive mistakes.
Advice first
The work starts with your questions and decisions, not with a product shelf.
Flat fee
Your fee reflects the complexity of your situation, not the size of your portfolio.
No commissions
Recommendations are not shaped by what pays more.
Ongoing guidance
You have a place to think through decisions as life changes.
Juan Carlos Romero, Principal & Owner
About the advisor
Advice that starts with you, not your assets.
I've spent my career on both sides of the financial services industry. First as a corporate finance professional building investment models and analyzing decisions that moved real capital. Then as an advisor who saw what that experience was actually worth to people navigating complex financial lives.
The pattern I kept noticing: smart, high-earning professionals with genuinely complex finances and no one helping them think through the full picture. Not because they lacked knowledge. Because they lacked the time and the right relationship to apply the same rigor to their own situation that they brought to everything else at work.
Having lived in that world, I know what it feels like to spend all day on corporate finance decisions and come home and wing it with your own 401(k) allocation. My job is to close that gap.
Better Wealth Advisory is built for people who want to understand the reasoning behind the recommendations they receive. The fee is flat. There are no commissions. The goal is to help you make better decisions with more clarity across taxes, cash flow, equity comp, investing, and whatever comes next.
You should leave every meeting more informed than when you arrived.
How it works
Three steps. No long onboarding. No hidden process.
Step 1. Start with an intro call
We talk through your situation, your priorities, and whether the relationship is a fit. No commitment required. If it is not the right match, you will know that too.
Step 2. Build the plan
We organize the relevant parts of your financial life into a clear plan across taxes, compensation, cash flow, investing, insurance, and near-term priorities.
Step 3. Keep going
You get ongoing guidance as life changes, questions come up, and new decisions need context. This is not a one-time deliverable.
Common questions
Everything you need to decide if this is a fit.
Who is this for?
This is for high-income professionals whose finances have gotten more complex than generic advice can handle. That often means taxes that matter, equity compensation with real decisions attached, growing cash flow that needs a system, and near-term priorities like a home purchase or a growing family.
Do you manage investments?
Investment decisions are part of the work, but the relationship is not built around portfolio management alone. The goal is to connect your investing to the rest of your plan, not treat it as the entire service.
How is pricing determined?
Planning starts at $250 per month. Your fee reflects the complexity of your situation, not the size of your portfolio. A client with equity compensation, multi-state taxes, or more moving pieces may pay more because the planning itself is more involved.
Are you a fiduciary?*
Yes. That is what this relationship is built on.
*A fiduciary is legally required to act in your interest, not earn a commission on what they recommend.
What happens in the intro call?
We talk through your situation, what you are trying to figure out, and whether this relationship is the right fit for you. It is a real conversation, not a sales presentation. If it is not the right match, I will tell you that too.
How often can I ask questions?
Questions are part of the relationship, not a sign that you are behind. You have ongoing access between meetings for decisions that come up and cannot wait.
If your finances have gotten more complex, you do not need more jargon. You need a clearer plan and a place to think through real decisions.