How We Charge

Financial Management

Clients With Greater Than $1,000,000 in AUM

For Clients with $1,000,000 or more in assets under our management, our Financial Management Service includes both ongoing financial planning and investment management. Our standard financial management fee is charged as a percentage of assets under management, in quarterly installments, in arrears (after services have been provided).

The fee is calculated based on the average daily balance in the Client’s account[s] and is based on the schedule below:

Assets Under Management ($) Annual Fee (%)

First $1 million                      1.00%

Next $1 million ($1-2M)      0.80%

Next $3 million ($2-5M)     0.70%

Amounts over $5 million     0.60%

Clients With Less Than $1,000,000 in AUM

For Clients with less than $1,000,000 in assets under management at the start of our advisory relationship, Clients are offered investment management and financial planning as separate engagements. Our investment management fee is charged as a percentage of assets under management, in quarterly installments, in arrears (after services have been provided) at an annual rate of up to 1.20%. The fee is calculated based on the average daily balance in the Client’s account[s].

Our financial planning services are provided as an annual financial planning subscription fee, billed monthly at a rate of $100 to $400 per month based on the size of the client portfolio and the complexity of the services to be provided.