Our Fees

Your house is both a real estate investment and a necessary expense for shelter. Good ongoing planning and investment management are similar. They combine a service component that makes your life easier and investment elements that earn or save you money. Typically, clients find value in our ongoing work that helps to offset the fee. There are, of course, no guarantees. 

Investment fees, like many financial transactions, including taxes and real estate, are charged as a percentage. We do the same. Our fee, listed below, is calculated based on the value of your investment assets that we manage at Schwab and in your current 401(k)/403(b) and 529 accounts. It starts off as one low rate with a minimum and becomes significantly less after a client reaches $2,000,000 in managed assets. 

We are proud to offer our services well-below the average fee of 1%. We believe that Wall Street overcharges consumers while giving very little service. This fee structure helps us ensure that all households get the same fundamental level of service while considering that more affluent households will earn or save more.   

$0 - $2,000,000: 0.75%  (Minimum annual fee is $7,200) 

$2,000,001 and above: 0.25%  

We use Schwab to custody your investment accounts and the pro-rata fee is automatically deducted quarterly from your accounts. Fees from 401(k)/403(b) and 529s accounts may be payable by a taxable account. 

10 ways we an save you thousands of dollars every year

  1. Investment tax loss and gain harvesting/timing.

  2. Maximizing the tax deductibility of your fee every year.

  3. Utilizing lower cost and lower tax investments.

  4. Tactical Roth or income conversions using bracket management.

  5. Affordable tax prep, insurance, banking, and legal services.

  6. Highest-yielding portfolio for retirement income.

  7. Debt payoff optimization and interest rate management.

  8. Reducing cash drag and keeping portfolios fully invested.

  9. Optimizing Social Security payments and Medicare.

  10. Self-funded long-term care planning investment reserve.

Why We Use Schwab & Pontera 

Schwab is one of the most trusted financial custodians in the industry. They have spent more than 30 years innovating on behalf of independent advisors like Lifetime Financial. And unlike many other custodians, they do not charge any fees while still offering excellent support and the highest standards of security when it comes to safeguarding your assets. 

Pontera is a secure, online platform that allows us to connect to your current employer 401(k)/403(b) accounts to manage the investments.