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Blue and Orange Trees in Mountains

WEALTH MANAGEMENT

We charge a blended annual fee based on the amount of Assets Under Management (AUM).
 

For example, a client with $2M would pay 0.8%.

Asset minimum of $500,000.

Assets Under Management
Annual Fee
First $1.2M
1.00%
Balance Above $1.2M
0.50%

INVESTMENT MANAGEMENT

We charge a blended annual fee based on the amount of Assets Under Management (AUM).
 

For example, a client with $200k would pay 1.0%.

No asset minimum. Minimum quarterly fee is $600.

Assets Under Management
Annual Fee
First $1.2M
1.00%
Balance Above $1.2M
0.50%

FINANCIAL PLANNING

The project based fee is dependent on the specific needs, complexity, estimated time, and resources required to provide services to you. Fees are determined upfront at the time of the engagement. Below are examples of typical rates.

GOALS/VALUES DEVELOPMENT AND ONE-TIME FINANCIAL PLAN   $5,000

SECOND OPINION ON CURRENT INVESTMENTS   $750

NEED SOMETHING ELSE?   Contact Us

HOW DO YOUR FEES COMPARE WITH OTHER FINANCIAL ADVISORS?

We strive to keep our costs low and pass those savings on to you. It is not uncommon to see advisory fees start somewhere between 1.25% and 1.75%. To manage $2M in assets, other firms charge as much as 48% more, and we believe we provide better service.

 

In addition to advisory fees, we also consider cost as a major factor when selecting investments, with overall portfolio expense ratios being as much as 1% lower than you may be recommended elsewhere. We would be happy to compare our pricing with other advisors and discuss the differences with you.

WON'T MY RETURNS BE LOWER IF I PAY FOR ADVICE?

Possibly, but not necessarily. Vanguard, a company with a great reputation among do-it-yourselfers, put out a paper detailing the value a good financial advisor can provide. Their conclusion: "We believe implementing the Vanguard Advisor’s Alpha framework can add up to, or even exceed, 3% in net returns." There are other studies that show similar benefit.

 

We do a lot of ongoing research to make sure we're at the cutting edge of investment management and financial planning concepts and implement best practices. We do not guarantee a specific level of performance and do not chase returns in hot stocks or day trading. We build portfolios that seek high risk-adjusted return over long-term time horizons.

CAN'T I DO THIS MYSELF?

Yes, you can absolutely manage your portfolio yourself and lots of people do without issue. However, many smart and successful people decide to outsource this part of their lives because they find they don’t have the time anymore, don’t have the interest, or money simply stresses them out. A lot of clients appreciate having someone to talk with when important financial decisions such as retirement pop up to make sure they aren't making mistakes or haven't thought of alternative solutions.

 

Hiring a financial planner isn't for everyone. We work with those who have decided that there are parts of their lives they are willing to outsource to a professional in order to simplify their lives.

 

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