Ryan Langan, CFP®
Flat-Fee Retirement Planning And Investment Management
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YOURPATHFi
Ryan Langan, CFP®
Philadelphia, PA
Serving Clients Nationwide
Flat-Fee Retirement Planning And Investment Management
Areas of Focus
- Estate Planning
- Investment Management
- Retirement Planning
- Social Security
- Taxes
About Me
Hi! I’m Ryan Langan, a CERTIFIED FINANCIAL PLANNER™, and the Founder of Your Path Fi, a fee-only financial planning and investment management firm.I help pre-retirees and retirees gain financial clarity, use their money to live impactful lives, and create their unique path through retirement.
After spending nearly a decade in the financial planning industry, I discovered many common drawbacks of traditional financial planning services. I noticed a focus on revenue rather than relationships. Planning wasn’t always holistic, especially with a lack of tax planning. Fees were unclear and typically based on a percentage of investment assets, in addition to using high-cost investments.
This led me to start Your Path Fi based on these core principles:
Relationships First
Our focus is building relationships, defining your purpose, and helping you achieve your dream retirement.
Holistic Planning
A doctor wouldn't provide a diagnosis without checking your vitals and running blood work. To create a true retirement plan, you must address every aspect of your financial life.
Transparent & Fair Fees
A larger investment portfolio doesn't necessarily equate to more work. So why pay more just because you have a larger investment portfolio? We charge a flat annual fee that is not a percentage of your investment portfolio.
Passive Investing
We believe passive index investing is the most efficient way to build and maintain wealth over time. Active investment management is costly and not as tax-efficient, and consistently beating the market over long periods is difficult.
I set out to be a difference-maker in the financial planning world and to expand access to personalized financial planning. I intend to serve a limited number of individuals and families at a high level so that I can dedicate my time and efforts to providing you with a deep relationship-based experience centered around empowering you to use your money to achieve the retirement you want.
Outside of financial planning, I enjoy experiencing life with my wife Haley, our son Luke, and our rescue pup Tucker, traveling to new places, staying active outdoors and in the gym, and of course, Sunday dinners with my family hosted by my chef brother.
Professional Designations
- CERTIFIED FINANCIAL PLANNER™ Professional
Affiliations
-
Fee Only Network
- National Association of Personal Financial Advisors
- XY Planning Network
- National Association of Personal Financial Advisors
Primary Location
Philadelphia, PA
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- One-time Financial Plan
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory call. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
Offers Tax Preparation
Yes
About our Firm
We are proud to be different from your typical financial advisor.✅ Retirement Planning Focus: We don’t take a generalist approach. Retirement planning is our specialty as we focus on helping you reach retirement and make the most of your retirement.
✅ Tax Planning: Many advisors avoid tax planning. We understand the importance of tax planning as part of your overall plan, and we use our extensive tax background to incorporate tax efficiency and minimization into your plan. We also handle the preparation of your income tax returns.
✅ Transparent Fees: We love transparency, and you deserve to know what you are paying your advisor. We are proud to be fee-only, meaning we do not sell products or receive commissions. Our sole source of revenue is from the planning advice we provide you. We charge a flat annual planning fee that is not a percentage of your investment assets.
✅ Independent: We are not associated with any bank, brokerage, or insurance company. This allows us to offer true holistic financial advice without following a corporate agenda that restricts us or pressures us to provide advice only in certain areas.
✅ Proactive & Deep Relationships: You are not just an account number or investment portfolio balance. We believe true retirement planning starts with defining and understating your purpose, and we are genuinely interested in helping you define your purpose. We intend to serve a limited number of individuals/couples, allowing us to deliver a highly personal and proactive planning relationship.
✅ Virtual: We are located in the suburbs of Philadelphia, Pennsylvania, but we can work virtually with anyone in the U.S.
Education
West Chester University of Pennsylvania, Accounting & Finance, Business and Public Affairs
Hobbies and Interests
- Animal Rescue
- Baseball
- Beach
- Church
- Cooking
- Family
- Football
- Golf
- Grilling
- Hiking
- Music
- Reading
- Sports
- Traveling
- Wine
- Working Out
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Couples
- Families
- Financial Independence Retire Early (FIRE)
- Individuals
- Living in Retirement
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