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Pricing

No commissions, loads, or trailing fees here!

We are paid by you, not by fund companies or anyone else. This means you can be assured we are independent, objective, and working in your best interest. We are motivated by your success, not who pays the juiciest commission rates.

Some advisors charge a fee for investment management and layer on an additional fee for financial planning. We don’t believe in piling on the fees, so our clients receive both investment management and comprehensive financial planning for one cost-effective rate.

Our Annual Fee Percentage Based Upon Assets Under Management
1.25% On the first $250,000 ($0 – $250,000)
0.85% On the next $1,750,000 ($250,001 – $2,000,000)
0.65% On the next $3 million ($2,000,001 – $5,000,000)
0.50% On the next $5 million ($5,000,001 – $10,000,000)
0.35% On any amount above $10,000,000

Our minimum fee is $125/month, billed quarterly. This goes into effect if a client has less than $120,000 under management.

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IN COMPARISON WITH OTHER OPTIONS

Go it Alone

You do all your own financial planning, portfolio construction, and monitoring/rebalancing of your financial plan and investments. Does this sound like fun? Is this how you want to spend your valuable free time? If not, there’s an alternative that shifts the work off your shoulders and may save you money at the same time. Let’s consider a $475,000 portfolio for example purposes (your portfolio may be larger or smaller). In this case, would you rather pay a 1.16%1 fee for no advice or a 1.16%2 fee for unlimited advice?

In 2023, the average expense ratio for a mutual fund investing in a blend of stocks and bonds was 1.16%.1 In addition, you may also pay a load or commission fee on top.  Not to mention, mutual funds are really poor communicators that don’t offer personalized advice or any financial planning.

The blended expense ratio range for our portfolios is currently 0.04% – 0.10%.2 Our effective advisory fee on a $475,000 portfolio is 1.06%2 (your effective fee percentage may be different).  Adding the two fees together yields a total expense range of 1.10% – 1.16%. Not only is this on par with the average mutual fund fee mentioned above, you also get a dedicated advisor and customized comprehensive financial planning in the deal too. There’s no limit on advice, so ask away!

These numbers don’t even mention the time you will save. How much would your life improve if you could shift more time and focus towards family, friends, hobbies, community, and charity? You can’t delegate these priorities, and even if you could, you’d never consider it. On the other hand, hiring a qualified financial planner frees time and energy for the people and activities you value the most. Plus, I’m willing to bet you find these priorities much more enjoyable than developing and maintaining your financial plan.

Hire a Competing Advisory Firm

Instead of the solo route, you could hire someone to oversee your financial plan. Sticking with our $475,000 example portfolio, would you rather pay 1.37%3 or 1.06% to your advisor? In 2014, advisors in North America charged an average fee percentage of 1.37%3 on a $475,000 portfolio.4 In comparison, our fee on a $475,000 portfolio is 1.06%.

Further breakdown of average fees charged on fee-based accounts by advisors in North America dependent upon client household asset size:

Household Assets Average Fee Charged3
Less than $250,000 1.43%
$250,000 – $500,000 1.37%
$500,000 – $1 Million 1.28%
$1 Million – $2 Million 1.16%

 

Furthermore, not all advisors offer the same quantity of services for their fee.

Some advisors charge the same percentage for investment management only that others charge for both investment management and comprehensive financial planning. When comparing advisors, we recommend you investigate what services are included for your fee.

1Investment Company Institute®. 2024 Investment Company Fact Book. 2024. pp 82. In 2023, the average expense ratio for a hybrid mutual fund investing in a blend of stocks and bonds was 1.16%.

2As of December 31, 2023, the net expense ratio range for Wealthcare Legacy Model Portfolios was 0.04% – 0.10%. Adding the effective advisor fee of 1.06% applicable to a $475,000 example portfolio (based on a 1.25% fee charged on the first $250,000 and a 0.85% fee charged on the remaining $225,000), our total expense range is 1.10% – 1.16%.

3PriceMetrix. 2015. “The State of Retail Wealth Management, 5th Annual Report.” pp 6.

4Assuming the portfolio was held in a fee-based account.