Flat Fee Financial Planning - Charlotte, North Carolina

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Stephen is a phenomenal advisor who has completely transformed how I approach my finances. He empowers me with essential tips to take ownership of my financial decisions and be proactive rather than reactive. What sets him apart is his dedication to educating me as we develop plans together. This approach not only gives me a solid understanding of my finances but also equips me to handle many aspects independently, rather than being fully reliant on him.

Stephen’s advice is incredibly practical and tailored to my unique needs—he never takes a one-size-fits-all approach. This personalized method is invaluable because every financial situation is as unique as a fingerprint. He listens, adapts, and helps craft strategies that feel achievable and aligned with my goals.

His guidance has helped me become more confident in managing my finances while keeping me focused on the bigger picture. If you’re looking for someone who truly cares about your success and offers both insight and practical solutions, Stephen is the best. Highly recommend!

Wade T.

I have been a client of Stephen since 2020. His demeanor is consistently both professional and personable. With a keen understanding of my financial goals and expectations as a 34-year-old, Stephen has been instrumental in guiding my retirement planning. I highly recommend Stephen and Flat Fee Financial Planning for any financial planning services you need!

Jay B.

My previous fee only financial advisor retired several years ago. I just got around to locating a new advisor. I used the NAPFA site and finally decided to contact Stephen.

My needs are probably different than his typical clients, but he was accommodating and worked with my wife and me. After meeting with him several times, my wife and I are extremely happy with the investment decisions he made for us regarding both our retirement and non-retirement accounts.

All of our meetings were done over the phone or Zoom which makes things easier. I highly recommend Stephen if you are looking for a financial advisor.

Mariam C.

I started working with Stephen last month and in that short amount of time, he’s already helped guide so many facets of my financial planning. I’ve worked with other advisors in the past and always felt like the relationship was transactional and impersonal. With Stephen, it’s the exact opposite. I feel supported and like I have a partner to help me reach my financial goals. He goes above and beyond what’s required, and answers all of my questions with patience and clarity. Within a few short weeks, he’s gained a full grasp of my financial picture and has given me detailed guidance on everything from life insurance, estate planning, college savings, charitable giving, business goals and much more. Whether in person, or via zoom, his care for his clients radiates and I’m so fortunate to have met him. I’d highly recommend Stephen if you’re looking to plan for a bright financial future. He’s a true gem and you’d be in great hands.

Razz M.

Stephen spoke to our law school class about financial planning. He was well-versed and knowledgeable in finance. He answered our questions and prepared us for the financial obligations we should expect after law school. It was eye-opening.

Tristan R.

Stephen came in to our Law Firm Management class at Elon University of Law and provided an excellent presentation and answered many questions aspiring law students had about finances, finance management, investment, retirement, and more.

Karl S.

Need a financial planner as a business owner? You should speak with Stephen Boatman at Flat Fee Financial. He recently served as a guest expert for my monthly Q&A series, focusing on helping business owners pay for college. By my count, Stephen answered 27 questions in under an hour, which delivered a ton of value to my audience. A close connection recommended Stephen; I'd love to work with him again.

Erica S.

I can't recommend Stephen enough! Working with him has been a game-changer for my financial goals. His expertise, personalized approach, and unwavering commitment to my financial well-being has truly set him apart. Transparent, trustworthy, and always accessible, Stephen, has made navigating the financial landscape a breeze. If you're looking for a reliable and knowledgeable financial planner, look no further!