Straightforward and Upfront About Fees

Many commission-based financial planners have become quite clever at disguising and hiding their fees. Some are so good that potential clients believe that they are receiving "something for nothing". All financial planners receive compensation. Typically a commission-based financial planner earns more money than a fee only financial planner. If a deal sounds too good to be true, then it usually is too good to be true.

You deserve to receive quality financial advice based on a simple and straightforward fee schedule. The fees described below represent everything you will pay for services. There are no hidden fees, no commissions, no fine print, and no conflict of interest.

Financial Planning Services may include collection of financial data, development of income and net worth statements, retirement planning, cash flow analysis, insurance planning, education planning, estate planning, investment advising and long-term care planning. Fees for these services are $100 per hour and are billed on a monthly basis for services performed.

Investment Portfolio Management and Supervision Services include monitoring of a client’s investment portfolio and making recommendations for appropriate investments or modifications based on the client’s description of his/her primary investment objectives. Fees for portfolio management and supervisory services (annualized) are 1.25% of the value of portfolio assets for portfolios of $250,000 or less and .75% for portfolios greater than $250,000. Fees are calculated and payable quarterly, based upon the portfolio value at the last business day of the prior time period. With written notice, clients may terminate these contracts and will be billed a pro–rata fee for the time that services were utilized. You will not pay an hourly fee for investment advice if you receive management or supervision of your portfolio based on a percentage of assets fee basis. Those are included in the percentage of assets fee. If you do not receive portfolio management or supervision service, then you pay $100 per hour for investment advisory services.

Counseling Services may include professional counseling for individuals or couples whose financial matters cause emotional or marital distress. Fees for these services are $100 per hour and are payable at the time the services are rendered. Fees for these services are negotiable depending upon the type of services provided and the financial resources of the client.

Bridging the gap between you and your financial goals.

Straightforward and Upfront About Fees