Flat Annual Fee.
No AUM-Based Pricing.

Because we charge a flat annual fee, our service is generally most cost-effective for families or individuals with incomes greater than $200k+ or investable assets in excess of $1,000,000. For families working toward those levels, the traditional percent of assets under management fee used by most other advisors or hourly financial planning may be more cost effective. We generally don't work with people whose net worth is approaching $10,000,000, as that level of wealth is more likely to lead to higher levels of financial complexity that are beyond the scope of the fee we typically charge. On a monthly basis, fees will be deducted directly from your investment accounts under our management at Charles Schwab or from your bank account via ACH. There are potential tax advantages with deducting the fee from the investment accounts we manage. This is how most investment firms work. However, we generally favor deducting our fee from your bank account rather than your portfolio for two reasons: It keeps more of your wealth compounding in your accounts over time. Advisor fees can be a drag on your returns. Our fee is just another annual or periodic expense. This keeps our fee front and center so you always know what you're paying and whether you are still receiving the value. The source of paying the fees is your decision.

The flat fee on our fees and services page is the flat fee you will pay. Each service offering spells out in detail what qualifies for each level and the services you receive. We want you to know that we won't charge you more money when you tell us your account balance or have new money for us to manage. The only thing that would change your fee is that you clearly fit into a different service tier.

Yes, but not based on an increase in your income, growing net worth, or investment accounts size. Your annual fee is expected to increase over time with inflation, as measured by the Consumer Price Index (CPI-U), the standard measure of inflation.

Hourly, financial coaching, and financial planning only clients pay via electronic bank transfer (ACH). Ongoing financial planning & investment management clients in the Core & Legacy tiers can choose from ACH, automatic deduction from your investment account(s), or a combination of both. See our Fee & Service page for more information.