Portrait of Luis Román, independent financial advisor and founder of Transcending Wealth, offering flat-fee financial planning services.

Flat-Fee Financial Advice

Empowering individuals, families, and business owners with independent, unbiased financial strategies.

Why Transcending Wealth?

What Sets Us Apart?

  • Independent & Unbiased: We are free from product sales and conflicts of interest, ensuring every recommendation is in your best interest.

  • Holistic & Values-Driven: Your financial plan should integrate every dimension of your life—career, family, legacy, and purpose.

  • Analytically Grounded: With a background in quantitative finance and investment risk management, we bring the rigor and clarity that complex decisions demand.

  • Empathetic & Personal: We take time to understand your story, your aspirations, and what truly matters to you.

    Transcending Wealth was built on one simple conviction:
    True wealth is achieved when your finances, values, and purpose move in the same direction.

At Transcending Wealth, we believe financial planning should transcend numbers and transactions. It should reflect who you are, what you value, and the life you want to build.

After decades in academia, asset management, and investment risk management, I saw how often financial advice became constrained by products, incentives, or rigid models. I founded Transcending Wealth to break from that mold. Independence enables us to deliver unbiased, rigorous, and deeply personalized financial strategies, free from hidden agendas and bureaucratic constraints, and tailored to your unique objectives.

Our approach blends analytical precision with human understanding. We don’t just measure risk and return; we help you align wealth with purpose—so that your financial plan supports not only your needs, but also your values, legacy, and well-being.

Our Services

Illustration representing a personalized financial plan covering cash flow, investments, taxes, retirement, and estate planning.

Comprehensive Financial Analysis

A deep dive into your complete financial picture, covering net worth, cash flow, investments, risk management, taxes, retirement readiness, and estate planning. You’ll receive a polished, insightful report with clear, actionable recommendations to guide confident decision-making.

Learn more…

Symbolic image showing continuous financial guidance and partnership to help clients adapt plans as life and markets change.

On Going Financial Advisory

Beyond the initial analysis, this service provides continuous guidance as your life and goals evolve. We meet regularly to review progress, adjust strategies, and ensure you stay aligned with your financial plan—bringing clarity, accountability, and peace of mind.

Learn more…

Image representing business strategy, growth planning, and succession guidance for entrepreneurs and small business owners.

Strategic Consulting For Small Business

Behind every thriving business is a person with values, goals, and a story.
At Transcending Wealth, we believe a business plan is strongest when it aligns with the owner’s personal and family goals. That’s why our consulting process integrates strategic planning with personal financial clarity — ensuring your business grows in a way that supports both your vision and your life.

Learn more…

Book a Free 30-min Call