Our Fees

Financial planning can be viewed much like you do your home. It provides a needed service that makes your life easier, and it is an investment that earns and saves you money. Typically, our clients find similar 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 employer 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 investment assets. 

We believe that Wall Street overcharges consumers while giving very little service. Our 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. We are proud to offer our services well-below the average Wall Street fee of 1%.

$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 these accounts.

We are Fee-Only advisors. The only payment we receive is from you. We don't earn commissions from recommending specific investments or selling financial products.