WHAT IS FEE-ONLY?

Fee-only advisors do not accept any fees or compensation from brokerage firms, mutual fund companies or insurance companies.

  • Compensated solely by their clients.
  • Fewer inherent conflicts of interest
  • Fee structure varies by advisor—annual retainer, hourly or a percentage of your investment assets
COMPENSATION METHODS USED BY OTHER ADVISORS

Fee-Based: compensated by a combination of advisory fees and commissions on the sale of financial products that may be used to implement their advice

Commissions can include:

  • Upfront sales charges, surrender charges or trailing commissions including 12b-1 fees on mutual funds
  • Commissions on the sale of annuities or life insurance policies

Commission-Based: compensated by commissions only

FLAT FEES

OUR APPROACH

We are one of the few Fee-Only advisory firms in the nation currently implementing a Flat Fee structure.

Instead of charging a percentage of assets under management, we utilize a cost-effective compensation structure by charging a fixed dollar amount (flat fee).

Annual advisory fees range between $1,000 and $5,000, depending on client’s desired level of service and customization.

ADVANTAGES

Objective advice

Eliminates conflicts of interest

Transparency

Clients are never “locked” into an investment or advisory contract

Total portability – Clients can simply “de-link” through custodian

Compensated solely by their clients

High-net worth investors are not penalized for having large accounts

WHY FLAT FEES MATTER

For example, with a $1,000,000 investment, the low cost of our advice is only $1,000 annually vs. the industry average of $10,200 (1.02%).

Over a 10-year period, with compounding, that means $177,138 more in your portfolio working for you.

  • Industry Average Advisory Fee (1.02%)
  • Net Portfolio Balance
  • $1,000 Flat Fee
  • Net Portfolio Balance

Hypotheticals are based on an initial investment of $1,000,000 in an equity index fund (VTI) over a 10 year period (01/01/2007-12/31/2016). Portfolio fees were reduced quarterly.