Our Cost Structure
How You Pay for Our Services
You can work with us in one of two ways:
1. Financial plan only
We'll build a comprehensive financial plan tailored to your goals, and we'll keep it current with ongoing updates and regular reviews as your life changes. Your financial planning fee is based on the complexity of your situation.
Financial planning fee
Before we begin, you and your advisor agree on a service level based on how complex your situation is and the time needed to complete your plan.
| Service Level | First-year fee |
|---|---|
| Silver | $2,500 |
| Gold | $3,500 |
| Platinum | $5,000 |
- Flexible payments: pay it all upfront, or spread it over 12 months with semi-annual, quarterly or monthly payments.
- After the first year: your planning fee is reduced by 50%.
2. Financial plan plus investment management
If you'd like us to manage your investments as well, you'll pay an advisory fee based on the assets in your advisory accounts. When you invest more than $300,000 in advisory-managed assets with us, we waive all financial planning fees, so your financial plan is included at no additional cost.
Advisory fee
This fee covers the ongoing management of your investments. Your rate is based on the combined value
of all the assets we manage for your household. The more you invest with us, the lower your rate.
| Household assets we manage | Annual Rate |
|---|---|
| Up to $300,000 | 1.25% |
| $300,001 to $500,000 | 1.10% |
| $500,001 to $1,000,000 | 1.00% |
| $1,000,001 to $2,000,000 | 0.90% |
| $2,000,001 and above | 0.70% |
The advisory fee is billed quarterly. Each quarter you're billed one-fourth of the annual fee. Because the
fee is a percentage of your account value, the amount may change from quarter to quarter as your
investments rise or fall.