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Our retirement planners and financial advisors are committed to transparent fees. We know that our industry is confusing and other advisors don't clearly disclose fees and other costs. We try to be transparent, that's why we disclose our fees upfront. 

Retirement planning

How We Are Paid

We feel that it is critical for our clients to understand the services they are paying for and how they are paying for them. Our goal is to be as transparent as possible when discussing compensation for our advice, so that we can freely research, recommend and implement strategies without partiality or restrictions.

Your fees will be based on your decision for us to proceed with the following:

  1. Creating your financial plan
  2. Implementing your plan
  3. Providing you with ongoing service

At each stage of the process, all fees will be clearly outlined and agreed with you before we proceed.

The fee charged depends on:
  • The investment needed to complete the service,
  • The degree of complexity and level of expertise required to complete the services,
  • Any risks associated with providing the service.

We separate our investment advice and associated portfolio management from our financial planning services. This allows us to target fees according to your particular and unique needs: investment and/or financial advice.

Financial Planning Fees

Initial ConsultationNo Charge
  • Firm Introduction
  • Explanation of Services
  • Process Description
  • Client Questions

 

Financial Plan Development$600
  • Fact-Finding Meeting (First Meeting with Client)
  • Review, Analysis, and Plan Preparation
  • Written Plan Presentation and Discussion (Second Meeting with Client)

 

On-Going Meetings (per Client Request)$300
  • Plan Updates
  • Special Issues
  • Preparation, Discussion and Written Summary

Investment Portfolio Development

Development of a Customized Client Investment Portfolio is done as part of the Financial Planning process including:

  • Client Risk Profile Analysis
  • Assessment of Current Investments
  • Development of a Professionally Managed Investment Portfolio

Investment Advisory Fees

If a client’s investments are brought under our management, there is an ongoing fee that is charged as a percentage of Assets under Management (AUM) per the chart below. Fees are quoted on an annual basis and are charged proportionally at the beginning of each quarter based on the ending balance as of the previous quarter.

The Investment Advisory services include:
  • Setting up of new Accounts
  • Transferring Assets
  • Ongoing Investment Advisory Fee
  • Platform Fee including Trading Costs
  • Periodic Rebalancing including Trading Costs
  • Institutional Third-Party Manager Fees (as needed)

Client AUM MinProgramManagementProductsEst Client Total Cost
$0Mutual Fund PortfoliosFund ManagersMutual Funds1.50%
$100,000Advisor PortfoliosAdvisor ManagedExchange Traded Funds1.50%
$500,000Unified Managed PortfoliosAdvisor and Institutional ManagersExchange Traded Funds, Separately Managed Accounts (Individual Stocks)1.50%-2.00%

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Request your complimentary first appointment.