Fair + Transparent Fees

The fees you pay for advice shouldn’t be one-size-fits-all. My fee structure is designed to fit you.

I offer several fee options depending upon your unique needs. As a small firm, I don’t need to set high fees to cover high overhead expenses like larger firms do. I do not receive any incentives, so I can always act with your best interests in mind. Before working together, we will review your situation and discuss the options available to you. Next, we both agree on a fair fee, which will be reflected in our agreement.

In most cases, the total cost for Investment Advisory services, which includes both Investment Management and Financial Consulting is well below the industry average that firms charge just for Investment Management. By combining a lower management fee and diligent fee and cost management in portfolio recommendations, I typically charge less than one-half to one-third of what the average firm charges for the same services.  

Depending upon your situation, annual Investment Advisory fees are charged as a percentage of assets under management or as a flat fee. Annual Investment Advisory fees generally range between $2,500 to $12,000 or more. While exceptions can be made, Investment Advisory services are best suited for clients with at least $200,000 in assets.

Clients may elect to hire me solely for Financial Consulting or a Second Opinion, in which case there is no asset minimum. You would simply be billed at my hourly rate of $300 per hour.

How do my fees compare to what you are paying now?

It’s not very easy to find out what you are paying to your bank, broker or insurance agent. You might even hear that you are not paying anything. Not true.

  • Hidden fees are quite common, but unfortunately, are not fully disclosed, or are hidden in long documents. Some examples are “loads”, “wrap fees” and “12b-1 fees”.

  • Some advisors utilize third-party managers to manage your portfolio. This means you pay a fee to your advisor and to the third party manager. Also, you may be charged an additional fee for planning.

  • Brokerage firms and insurance agents receive commissions that are built into the products they sell you. You may not see or hear about the fees, but they are certainly there.

  • Many advisory firms have rigid asset-based fee schedules that charge the same fee to a large account as they do for a much smaller account. While it often doesn’t require much more time to manage the large account, the difference in fees paid is substantial.

Let’s start a conversation.