Firm
Cates Financial Planning, LLC
Denton, Texas
Fee-only
Cates Financial Planning, LLC at a glance
- One of 690 fee-only firms based in Texas in the Wellspent graph.
- 1 advisor is listed here, who holds the CFP.
- Its Form ADV reports 1 employee and 70 individual clients, 21 of them high net worth.
- Its average account is about $192,000 (assets it manages divided by its 250 accounts).
- Its ongoing planning fee starts at $1,800 a year, below the Texas median of $3,000.
- Its hourly rate of $175 is below the Texas median of $250.
Fee-only advisors in Texas · What fee-only advisors charge in Texas
Facts
| Based in | Denton, Texas |
|---|---|
| Website | catesfp.com |
| [email protected] | |
| Phone | (940) 368-0909 |
Cates Financial Planning, LLC fees
What the firm's own website says it charges, checked October 28, 2026. We keep a price only when the exact words stating it appear on the page.
| Ongoing planning | From $1,800 a year |
|---|---|
| Hourly | $175 an hour |
| Asset-based fee | 1% a year on the first tier of assets |
| How it charges | Percentage of assets · Hourly · Ongoing planning fee |
In the firm's words
"at a rate from $150 to $400 per month depending on complexity." source
"Financial Planning fee is an hourly rate of $175 per hour." source
"First $500,000 1.00%" source
"Financial Planning fee is an hourly rate of $175 per hour." source
For comparison, fee-only firms that publish prices charge a median of $4,500 a year for ongoing planning, $2,000 for a one-time plan, $300 an hour, or 1% of assets. See the fee report.
What its SEC filing says
| Paid by | Percentage of assets · Hourly · Fixed fees |
|---|---|
| Assets managed | $48 million |
| Individual clients | 49 |
| High-net-worth clients | 21 |
| Accounts managed | 250 |
| Employees | 1 |
| Planning clients | 51-100 |
| Financial planning | Offered |
| Form ADV filed | June 5, 2026 |
| SEC record | CRD 290650 |