Transparent, competitive pricing — with no hidden commissions on investments.
My fee schedule is based on household assets under management. I combine the assets of families that live under one roof — this matters because it can move your household into a lower fee tier and save you money over time.
Mutual funds and ETFs also carry their own internal fees charged by the fund companies. I work to minimize these by selecting low-cost index funds and ETFs where appropriate.
| Assets Under Management | Annual Fee |
|---|---|
| $0 – $49,999 | 1.20% |
| $50,000 – $149,999 | 1.10% |
| $150,000 – $349,999 | 1.05% |
| $350,000 – $499,999 | 1.00% |
| $500,000 – $649,999 | 0.95% |
| $650,000 – $799,999 | 0.90% |
| $800,000 – $999,999 | 0.80% |
| $1,000,000 – $1,999,999 | 0.70% |
| $2,000,000 – $3,499,999 | 0.60% |
| $3,500,000+ | 0.50% |
I also sell fixed life insurance to clients who need it. I shop insurance policies through a Life Insurance General Agent to get the best products available for each individual client's situation.
These insurance products pay me commissions for selling them. This creates a potential conflict of interest where some advisors might work hard to make sales even when products aren't in the client's best interest.
I don't sell my clients insurance they don't need. Almost every single insurance policy I sell ends up being term insurance — and these policies pay me anywhere from 70 to 100 percent of the first year's premium as commission. This is disclosed openly because you deserve to know exactly how your advisor is compensated.
At times I am also compensated hourly for specific financial planning work — for example, a client who wants a retirement analysis without ongoing asset management. Ask about hourly rates during your first consultation.