What’s Included
Investments
We will get your portfolio on the right track by helping you invest each account and determine where to put future contributions. We coach you on the right investing behaviors (i.e. stick to our strategy and ignore the noise) and rebalance your portfolio annually.
We’ll keep up to date on your accounts through an online financial organizer.
Financial Planning
We will work with you to create a goals-based financial plan and update it annually or whenever a major assumption changes. We’ll share your plan through an online financial organizer, so you can change assumptions whenever the mood strikes you.
Help When You Need It
Buying a car and wondering whether it’s better to take a loan or pay with cash? Want to know the smartest thing to do with your bonus? You contact us whenever you have a question related to your personal finances and we respond with our best advice. No extra charge. It’s all included in your monthly fee.
Pricing
The ongoing price for our services is based on your net worth (assets – liabilities) and is paid on a monthly or quarterly basis. We charge 0.24% of net worth up to $2 million and 0.12% above $2 million, with a minimum of $300 per month and a maximum of $800 per month.
New clients also pay a one-time start-up fee. See the chart on the right for examples of ongoing and start-up pricing at various levels of net worth.
Monthly and quarterly payments are paid in arrears (i.e. for each past month or quarter) and are reset every two years.
| Net Worth | Monthly | Start-up |
|---|---|---|
| $1,000,000 | $300 | $1,800 |
| $1,500,000 | $300 | $1,800 |
| $2,000,000 | $400 | $2,400 |
| $2,500,000 | $450 | $2,700 |
| $3,000,000 | $500 | $3,000 |
| $4,000,000 | $600 | $3,600 |
| $5,000,000 | $700 | $4,200 |
| $6,000,000+ | $800 | $4,800 |
