“The process is all about trust, learning and growing. (I try to make it fun too!)”

 Fee-Only Financial Planning 

One size does not fit all when it comes to financial planning. Simple, flat fees allow me to focus on a strategy specifically designed to suit different needs, life stages, and budgets.  The fee are listed below and do not include gross receipts tax (7.875%). 




Need a more detailed, comprehensive financial strategy?  You’ll receive a customized financial plan and supporting data to help you meet your goals. This is ideal for people getting married, starting a new career or finishing school, second marriages, and those emerging from or dealing with extensive debt. The fee will include the time to build and refine a detailed plan, consultation with your other financial professionals, creation of an action plan and to do list, assistance with plan implementation, and other services required to answer your financial questions



If you need some financial advice or just have fundamental financial questions, I’ll work with you to answer your questions and create basic, customized recommendations for you.  Special student rates are available, and the fee is negotiable.  Only the simplest of situations allow for this limited package.




If you need intensive, ongoing financial advice over a period of time or would like guidance on your investment portfolio, this would be the package for you. I can spend the time needed to help people going through a divorce, facing financial issues related to the loss of a family member, or those dealing with other complicated financial challenges.  This is also well-suited for pre-retirees and retirees or those who need assistance with asset allocation, cash flow, budgeting, tax management, and other investment strategies. 



Education and Business Support 

I work with organizations as well as individuals. Organizations may want to provide financial consultation or education to help their employees maximize benefits and reach their financial goals. Having an independent, unbiased educational resource gives employees valuable information without sales or conflicts.  My services could include formal presentations to small or large groups, one-on-one consultations with individuals, in-depth personalized financial planning, or customized financial education materials about retirement plan options or investment strategies. The fees for organizations are negotiated at the time the services are contracted and generally involve an hourly rate of $200.00 an hour plus gross receipts tax.  



The establishment of plan pricing will be done by Clarissa Krinsky and the client at the time of the initial consultation.  

Fee-based vs. Fee-only

What’s the difference?  

There are very few advisors in New Mexico who charge a flat fee or an hourly fee for their services.  So, people often ask: What is hourly  or flat fee-only financial planning? How is it different from “fee-based” or “regular” financial planning?  I’m happy to explain… 


is the most common approach. Fee-based financial planners may charge a fee based on the amount of assets they sell and manage for you, the assets under management (AUM). Their goal is to maximize those investments. For example: a fee-based advisor who has a 1% fee and manages $100,000 for you, will charge you $1,000 each year. With $500,000 under management, that same advisor will charge you $5,000 annually. The more assets the fee-based advisor manages for you, the more you’ll pay. These advisors may also accept commissions from sales of products.  Many insurance professionals work the same way – they’re compensated based on how many insurance products they sell you.


planners, like myself, don’t get paid commissions or sell products. Fee-only planners may be paid based upon AUM without commissions.  However, most hourly or flat fee-only advisors do not manage assets.  We create financial plans, answer questions, and educate our clients, so we’re free of conflicts of interest. Hourly or flat fee-only planners usually charge by the hour or offer packages for their time.  We charge based on the time and work it takes to create a plan, not the amount of money you have to invest or the products you buy. There are no commissions or no hidden costs, and you know your charges upfront. 

“The process is all about trust, learning and growing. (I try to make it fun too!)”

505 554 2329 

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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP®(with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

 Disclosure: ClariFinancial  (“RIA Firm”) is a registered investment adviser located in Albuquerque, NM.  ClariFinancial may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. ClariFinancial’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of ClariFinancial’s web site on the Internet should not be construed by any consumer and/or prospective client as ClariFinancial’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by ClariFinancial with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of ClariFinancial, please contact the state securities regulators for those states in which ClariFinancial maintains a registration filing. A copy of ClariFinancial’s current written disclosure statement discussing RIA Firm Name’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from ClariFinancial upon written request. ClariFinancial does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to ClariFinancial’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice.


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ClariFinancial, LLC    1718 Central Ave SW, Suite C    Albuquerque, NM 87104    505 554 2329    Map

|      505 554 2329  

|      505 554 2329      |