Pricing

Core Wealth Planning & Portfolio Management Services

Our core offering (price schedule below) includes the following services:

• Retirement Planning
• Cash Flow Planning
• Tax Planning
• Insurance Planning
• Estate Planning
• Education Planning
• Plus Custom Ongoing Portfolio Management Services in support of the above

The Schedule:

To keep things simple, the following fee schedule is a “straight tier.”

This means once you reach $500,000 in assets, the fee charged on all managed assets shifts to 1.25%.

As you reach $1,000,000 in managed assets, the fee charged on all managed assets falls to 1.00%. 

For household balances of $20,000,000 and above, the rate is 0.50% per year. 

We debit fees quarterly, in advance, pro-rata across accounts, in as tax efficiently a manner as possible to avoid creating another cash flow item for you each month.

Which Accounts Are Included in Services and Fees?

We look at your entire picture to maximize outcomes, and we only bill the accounts we manage directly.

We cannot directly manage or bill certain accounts, like 401ks for current employers and Health Savings Accounts.

These accounts are an important part of your plan, and we will provide ongoing guidance surrounding the investments and strategy related to these accounts as part of your overall financial picture.

Fee Calculation Example

Example 1: 

James and Tullia have $2,500,000 in total investible assets. $500,000 of their total portfolio is in Sarah’s 401k at work. 

The remaining $2,000,000 is managed by Flow, at a flat rate of 1.00% each year.

The quarterly fee is determined by the following calculation: ($2,000,000 x 1.00%)  ÷ 4 = $5,000.00, or $20,000.00 per year. 

Additional Flat Fees for Complex Situations

In specific cases, certain factors like business ownership and real estate investments merit deep ongoing analysis to improve overall strategy and outcomes. These instances may merit an additional flat-fee based on the scope of the related work.

We’ll discuss that scope of work and associated cost in our initial conversations, if relevant.