Basic Planning Package
$500
One-hour meeting & basic plan.
Our Fee Structure
Published, because it should be.
We are fee-only. You pay us and nobody else does — no commissions on products, no referral fees, no setup charge, no exit charge. Fees are billed quarterly in arrears, after the work has already been done.
Investment management
One fee. It gets smaller as your account grows.
We charge a single ongoing fee for the monitoring, management and administration of your portfolio — no set-up fees, no exit fees. It works like tax brackets: your money is divided into tiers, and each tier is billed at its own rate. The first $500,000 is billed at 0.95%, the next $500,000 at 0.90%, and so on down the schedule.
Because each rate only ever applies to the dollars inside its own tier, growing into the next tier never raises the cost of the dollars below it — it only lowers your blended rate. 0.95% is the most any client pays, and no client pays that rate on anything beyond their first $500,000.
- First $500,0000.95%
- $500,000 – $1M0.90%
- $1M – $2M0.85%
- $2M – $3M0.80%
- $3M – $5M0.70%
- $5M – $7.5M0.60%
- $7.5M – $10M0.50%
- $10M+0.40%
| Assets under management | Annual | Quarterly |
|---|---|---|
| First $500,000 | 0.95% | 0.2375% |
| $500,000 – $1M | 0.90% | 0.2250% |
| $1M – $2M | 0.85% | 0.2125% |
| $2M – $3M | 0.80% | 0.2000% |
| $3M – $5M | 0.70% | 0.1750% |
| $5M – $7.5M | 0.60% | 0.1500% |
| $7.5M – $10M | 0.50% | 0.1250% |
| $10M+ | 0.40% | 0.1000% |
A worked example
What a $4,000,000 account actually pays.
A $4M portfolio spans the first five tiers. Each slice of the account is billed at that slice’s rate — here is the full calculation, line by line.
| Slice of the account | Rate | Annual fee |
|---|---|---|
| First $500,000 | 0.95% | $4,750 |
| Next $500,000 | 0.90% | $4,500 |
| Next $1,000,000 | 0.85% | $8,500 |
| Next $1,000,000 | 0.80% | $8,000 |
| Final $1,000,000 | 0.70% | $7,000 |
| Total on $4,000,000 | 0.82% | $32,750 |
That works out to a blended rate of roughly 0.82% — well below the 0.95% headline rate — billed quarterly in arrears at about $8,187.50 per quarter, after the work has been done. As the account grows past $5M, the new dollars are billed at 0.60% and the blended rate keeps falling.
Financial planning
Flat fees, if you only want a plan.
You do not have to move assets to us to get financial planning advice — planning is offered on its own, for a flat fee. It starts with a complimentary half-hour discovery meeting, where we can interview each other. That meeting concludes with a recommendation and a specific price quote based on your unique circumstances and needs.
In general, three packages are available; exact terms are quoted during the initial meeting. Each package is a one-time flat fee — there is no ongoing charge unless you choose the Continuous package’s quarterly cadence, and no obligation to become an investment-management client afterward.
Comprehensive Planning Package
$1,500
Three one-hour meetings & full plan.
Continuous Planning Package
$3,000
Initial two-hour meeting plus three quarterly two-hour meetings & full plan.
Formation
0.95% is the most any client pays. From there it only comes down.
What you will not pay
- Setup or onboarding fees
- Exit or transfer-out fees
- Commissions on any product
- Referral fees from anyone
Get started
Want to know what you are paying now?
Most people are surprised. Bring a statement and we will walk through the all-in cost of your current setup — no charge, no obligation.
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