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We are compensated by advisory fees our clients pay based on a percentage of the assets we manage.  Some people ask us to build a financial plan or consult on a particular scenario we offer on a fee-only basis to non-clients.  Our current clients do not pay additional financial planning or consulting fees.  

Asset Management Fee

  • 1.20% for assets between 0 - $250,000.
  • 1.00% for assets between $250,000 - $500,000.
  • .90% for assets between $500,000 - $1,000,000.
  • .85% for assets between $1,000,000 - $2,500,000.
  • .80% for assets between $2,500,000 - $5,000,000.
  • .75% for assets over $5,000,000.

*The entire household is aggregated to determine the total asset size and fee.  Outside assets are not included in the Asset Management Fees.

Additional compensation may apply in the form of commissions for purchase of individual stocks, bonds and through service fees (12b-1) for mutual fund transactions. Fees, charges and expenses are detailed in the Cetera Advisors LLC's ADV Part 2A.

Comprehensive Financial Planning Fee

A one-time fee of $2,500 is charged for our 360° Portfolio Planner.  Our comprehensive 360° Portfolio Planner provides our clients with the following:

  • Retirement goal setting, pension, and social security analysis.
  • Insurance and Risk Management analysis and planning.
  • Investment analysis, allocation, funding, and account types.
  • Estate Planning analysis, wills, trust, and proper titling of asset and property.
  • College planning, mortgage analysis, debt management, long-term care planning, etc.

Consultation Fee

  • $250 per hour for non-clients.
  • .50% fee for asset allocation advice on accounts held away from the firm.

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