Comprehensive Advisory Fees

We earn a 1% annual fee, assessed quarterly, for all assets we manage. This fee includes:

• Our proprietary Active Risk Mitigation (ARM) Investment Management
• All Comprehensive Planning Services for the life of our relationship
• Unlimited Client Support Services

This 1% fee ensures our objectives are aligned with yours; If your account grows, so does our income. If your account shrinks, so does our income.

It also ensures we remain agnostic when it comes to our fiduciary duty to act in your best interest. We get paid the same way regardless of the specific investments we recommend. The only thing that drives our investment advice is our desire that you become a raving fan and tell all your friends and family about us.

Our ability to design and deliver our proprietary ARM investment strategies is greatly enhanced through our strategic relationship with Envesnet Asset Management, LLC, through which we have access to hundreds of third-party investment managers and virtually unlimited, specialized financial instruments (think stocks, bonds, mutual funds, ETFs, commodities, etc.). Envestnet charges 0.01% per month, assessed on a quarterly basis.

Knowing your assets are safely held by a trusted, third-party custodian is essential to your peace of mind. We currently custody all client accounts at Charles Schwab, Inc. They provide safekeeping of accounts, online access, monthly statements, and tax reporting, for 0.01% per month, charged monthly.

There are no additional fees for deposits, withdraws, transfers, or trades. Just a flat, annual fee.

Many of our strategies have lower fees than those described above. However, the most appropriate strategies for your unique situation can only be identified through our comprehensive planning process.

Planning fees are only assessed for those who do not utilize our full-service suite of advisory services or who don’t meet investment minimums. (Our comprehensive advisory fees include all our planning services for as long as you are a client.)

When/if a stand-alone planning fee is appropriate, it can range anywhere from $2,500 to $5,000, depending on the complexity of your situation. The majority of our clients never pay any planning fees whatsoever.

All our plans come with a 100% money-back guarantee. If you don’t love it, you don’t pay. Period.

Our Advisory Agreement is open-ended. If you are not completely satisfied with our services, you are completely free to leave at any time, no strings attached. Our clients remain our clients because they want to. And the feeling is mutual.