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Blue and Orange Trees in Mountains

HOW MUCH DO YOU CHARGE?

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

We do not have a formal asset minimum but believe that our services and fees are most appropriate for those who have more than $120,000 as our minimum quarterly fee is $600.

Clients with more than $500,000 in AUM may choose to participate in our Wealth Management services which includes Financial Planning at no additional cost. Clients with less than $500,000 in AUM may add on Financial Planning at an additional fee.

 

HOW DOES THIS 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.

 

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

JUST NEED A
SECOND OPINION?

Sometimes you just want a basic second opinion on your current investments to make sure you are in an appropriate portfolio or not being taken advantage of. We're happy to help. The price can vary depending on complexity but a typical price is $750.

 

ONLY WANT
FINANCIAL PLANNING?

If you would like to go through the process of defining your goals and values and seeing if you are on the right track for retirement, we can work with you to develop a one-time financial plan. A typical project-based price is $5,000.

 

DOES SOMEONE ELSE NEED FINANCIAL HELP?

We all know people in our lives who could use some financial education or a plan to deal with their debt, but either can't afford professional advice or just aren't willing to pay for it. We can work with you to tailor a gift to help. Typical prices vary between $1,000 and $4,000.

 

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