Fees
Our Simple, No-Surprise Fee Schedule
Transparent pricing with no commissions, no retainers, and no hidden fees.
We don’t charge commissions, there are no retainers, and we do not charge additional planning fees. All our services are provided as part of the asset management fee which is laid out here.
While we include outside assets such as bank accounts, insurance policies, business interests and real estate in the financial plan, we never charge a fee based on the value of those assets.
Transparent Pricing
We bill quarterly (in January, April, July, and October) based on the average daily balance of the accounts under our management at Schwab over the previous three months. The annual billing rate represents the annualized fee over four quarterly billing cycles. The billing tiers are marginal meaning the first $2 million of account value is billed at an annual rate of 1% per year. The next million is billed at an annual rate of .8% and the million after that is billed at an annual rate of .6%.
What is included: comprehensive retirement planning, long-term investment management, and ongoing guidance — all covered by the single asset-management fee above. No separate planning charges, no hidden fees, ever.
No Lock-In
If the value we provide ever stops exceeding the fee, we’ll part ways as friends — and waive our fee for the final quarter.
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