facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

One Annual Flat Retainer  Fee for Both IMPACT Investing & Financial Planning

The price for our services is one easy-to-understand, annual flat retainer fee.  No hidden fees. This fee includes our holistic financial planning and investment management services.

For clients with less than $3,000,000 in combined assets under management, our annual flat retainer fee is $7,500 per year. 

For clients in excess of $3,000,000 in combined assets under management, our annual flat retainer fee is based on complexity and needs of the client.

What does the annual flat retainer fee include?

Holistic Financial Planning

Portfolio Management

Investment Planning 
Cash Flow Planning  
Tax Planning 
Insurance Review 
Education Planning (if applicable) 
Retirement Planning 
Estate Planning 
Update your plan as your situation changes 
Unlimited email support to answer your financial questions 
Annual or semi-annual review meetings 
Check-in calls as needed
Create the portfolio that best fits your goals 
Execute transactions to implement
Discuss tax consequences of transactions
Invest new cash in accumulation phase
Monitor portfolio and rebalance as necessary
Manage income stream in distribution phase
Manage Required Minimum Distributions (RMDs) for clients

Why would we charge so much less than traditional financial planning firms?

We are in this business to be a financial force of good for our clients. We believe in keeping our overhead business expenses low so that we can offer our services at a justifiable cost. No high-rise offices, no fancy parties, no expensive advertising. Our clients tend to be hard-working individuals who appreciate our business model, believe in impact investing, and have more than $750,000 of investable assets. We have designed our firm to cater to this niche and created a fee structure that reflects our value.  In order to deliver our high-service model, we will cap our client relationships for the entire firm. We believe this is the only way to provide quality over quantity.

Why do you charge a flat, retainer fee instead of the traditional 1% of assets under management?

As fiduciaries, we are constantly seeking ways to provide valuable services to our clients at a reasonable cost and eliminate conflicts of interest. We believe that avoiding commission-based advice is a step in the right direction. However, we still believe that a conflict of interest exists in the 1% of assets under management fee structure. Under this model, an advisor is still incentivized to convince a client to transfer as many assets as possible under his/her management in order to increase the fees collected.   We do not believe a fee  should be based on the arbitrary value of a client’s investment portfolio. We know from our collective 65+ years of experience that there is not a significant difference in the work required to serve a client with $750,000 in assets vs $3,000,000 in assets. Why should one client pay tens of thousands of dollars more each year in fees?

The difference in costs and lost portfolio growth over time is shocking when you compare our fee structure with the traditional 1% of assets under management.  See the example below...

Loss in portfolio value, $1,017,632 •Additional fees paid, $613,314

The amounts assume a typical 1% fee for a $2,000,000 portfolio compared to our flat, annual retainer fee of $7,500.  We are assuming a 7% annual growth rate before fees each year and use a 20-year time frame for this example.