Item 5 – Fees and Compensation
Financial Planning Fees
Fees generally range from $2,000 to $5,000 per engagement depending on the scope, number, and
complexity of issues addressed.
Advisory Service Fees
The annual management fees charged for this service will be as follows:
First $1,000,000 of investment account value: 1% annually, billed quarterly in arrears at the
rate of .25% of portfolio value on the last business day of each calendar quarter.*
Next $1,000,000 of investment account value: .75% annually, billed quarterly in arrears at the
rate of .1875% of portfolio value on the last business day of each calendar quarter.*
Next $2,000,000 of investment account value: .50% annually, billed quarterly in arrears at the
rate of .125% of portfolio value on the last business day of each quarter.*
Portfolio values in excess of $4,000,000: .30% annually, billed quarterly in arrears at the rate
of .075% of portfolio value on the last business day of each calendar quarter.*
*Account values will be aggregated for clients holding accounts with more than one registration.
The firm waives the fees for ongoing financial planning updates and reviews for those clients who
engage our investment advisory services.
Fee Payment for Advisory Services
Direct debiting: At the end of each calendar quarter, we notify the custodian of your account, the
amount of the fee due and payable to us through our fee schedule and contract. They will “deduct”
the fee from the account(s) you have designated to pay our advisory fees.
Fees charged are exclusive of brokerage commissions, transactions fees, and other related costs and
expenses. You may incur certain charges imposed by custodians, brokers, third party investment and
other third parties such as transfers taxes, wire transfer fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange traded funds also charge internal
management fees, which are disclosed in a fund’s prospectus. Such charges, fees, and commissions
are exclusive of and in addition to our fee. We do not receive any portion of these commissions,
fees, and costs.