Financial Planning

The Financial Planning service consist of an upfront fee of $1,000 - $5,000 plus an annual fee paid monthly or quarterly, in advance, per the client’s preference. Clients who engage in Investment Management services, in addition to the Financial Planning service for Comprehensive Financial Planning, may have their quarterly Financial Planning fee credited against their quarterly Investment Management fee up to the Investment Management fee amount for the quarter.

Fee example: A Comprehensive Financial Planning client with $800,000 of Assets Under Management and a Financial Planning fee of $6,000 would have the following annual (quarterly) fee:

• Financial Planning Fee - $6,000 ($1,500 per quarter, credited against any Investment Management fee for the quarter)
• Investment Management Fee - $8,000 ($2,000 per quarter)

Total Fee due for the quarter - $1,500 (Financial Planning) + $500 (Investment Management with credit) = $2,000

INvestment Management

The Investment Management service fee is billed and payable quarterly in advance based on the value of the client’s managed accounts on the last day of the quarter. The advisory fee is a blended fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the chart below, resulting in a combined weighted fee.

Fee example: An Investment Management client with an account valued at $1,500,000 would pay an effective fee of 0.87% with an annual fee of $13,000. The quarterly fee is determined by the following calculation: (($1,000,000 x 1.00%) + ($500,000 x 0.60%)) ÷ 4 = $3,250 ($13,000 annual).