Fee-Only

Fee-only advisors do not accept any fees or compensation from brokerage firms, mutual fund companies or insurance companies.

• Compensated solely by their clients.
• Fewer inherent conflicts of interest
• Fee structure varies by advisor—annual retainer, hourly or a percentage of your investment assets

Fee-Based: compensated by a combination of advisory fees and commissions on the sale of financial products that may be used to implement their advice

Commissions can include:

• Upfront sales charges, surrender charges or trailing commissions including 12b-1 fees on mutual funds
• Commissions on the sale of annuities or life insurance policies

Commission-Based: compensated by commissions only

We are one of the few Fee-Only advisory firms in the nation currently implementing a Flat Fee structure.

Instead of charging a percentage of assets under management, we utilize a cost-effective compensation structure by charging a fixed dollar amount (flat fee).

Annual advisory fees range between $1,000 and $5,000, depending on client’s desired level of service and customization.

Objective advice

Eliminates conflicts of interest

Transparency of interest

Clients are never “locked” into an investment or advisory contract

Total portability – Clients can simply “de-link” through custodian

Account values increase, fees stay the same

High-net worth investors are not penalized for having large accounts

For example, with a $1,000,000 investment, the low cost of our advice is only $1,000 annually vs. the industry average of $10,200 (1.02%).

Over a 10-year period, with compounding, that means $177,138 more in your portfolio working for you.