ITEM 5: FEES & COMPENSATION
We are required to describe our brokerage, custody, fees, and fund expenses so you will know how
much you are charged and by whom for our advisory services provided to you. Fees are generally
negotiable on a per client basis at our firm’s discretion. The distinguishing factors used as a basis for
negotiating the fee will be based on the scope and complexity of our engagement with you. Lower
fees for comparable services may be available from other sources.
Our Compensation for Advisory Services
Strategic Wealth Management (“Portfolio Management”)
Assets Under Management Annual Percentage of Assets
Charge
$0 to $500,000 1.75%
Over $500,000 to $1,000,000 1.50%
Over $1,000,000 to $2,500,000 1.15%
Over $2,500,000 to $5,000,000 0.85%
Over $5,000,000 to $10,000,000 0.55%
Over $10,000,000 to $15,000,000 0.50%
Over $15,000,000 and above 0.45%
Households with less than $100,000 in fee-based accounts are subject to additional charges for
financial planning services as outlined below. Households with less than a $60,000 average per
account are subject to an annual $80 administrative fee per account.
Fees to be assessed will be outlined in the advisory agreement to be signed by the Client. Annualized
fees are billed on a pro-rata basis monthly in advance based on the value of the account(s) on the last
day of the previous month. Fees for certain illiquid private securities will be assessed based upon the
most recently available valuation as provided by the sponsor. Fees will be deducted from client
account(s). Adjustments will be made for deposits and withdrawals during the quarter. In rare cases,
our firm will agree to directly invoice. As part of this process, Clients understand the following:
a) Clients must provide our firm with written authorization permitting direct payment of
advisory fees from their account(s) maintained by a custodian who is independent of our
firm;
b) Our firm sends quarterly statements to the client showing the fee amount, the value of the
assets upon which the fee is based, and the specific manner in which the fee is calculated as
well as disclosing that it is the client’s responsibility to verify the accuracy of fee calculation,
and that the custodian does not determine its accuracy; and
c) The account custodian sends a statement to the client, at least monthly, showing all account
disbursements, including advisory fees.
Financial Planning:
Fees for our Financial Planning service will be assessed either on a fixed fee or hourly basis. The fixed
fee is based on the set dollar amount for a given service or set of services and it is charged monthly
in advance as outlined in the table below. Hourly fees will not exceed $500/ hour. The exact details
will be outlined in the executed client agreement. Clients can select one of our different service levels
based on their needs and financial circumstances. Phase I will provide budget planning, savings
planning, insurance planning, and estate planning. In addition to the services offered in Phase I, Phase
II offers investing tutorials, retirement needs analysis, educational needs analysis, household needs
analysis, and a family investment policy statement. Finally, in addition to the services offered in Phase
I and Phase I, Phase III will offer a comprehensive retirement analysis, social security analysis,
pension analysis, stress-test portfolio, and complete legacy planning. We offer various special
modules within each phase to help provide a fine-tuned planning service. Fees for our Financial
Planning program are as follows:
SIG Financial Planning Program
Household Assets Planning Fee (Annualized) Planning Fee (Monthly)
Less than $60,000 $3675 $306.25
$60,000 to $120,000 $2625 $218.75
Over $120,000 to $180,000 $1575 $131.25
Over $180,000 to $240,000 $525 $43.75
Over $240,000 No Fee No Fee
Clients engaged in our Financial Planning program are required to also engage our firm for Portfolio
Management services.
Alternatively, we may also charge a flat fee for one time projects not to exceed $10,000, payable upon
rendering of services.
529 Plan Consulting
We also assist clients with setting up 529 plans. We charge a one-time fee for this service of $250
per account. Our firm does not charge an ongoing fee based on the value of the assets.
Estate Planning:
The fee for this offering vary depending upon the service level selected from the options below. Fees
may be negotiable in certain cases, will be agreed to at the start of the engagement, and are due at
the end of the engagement. A portion of this amount will be retained by SIG, and the remainder
remitted to Encore Estate Plans. Clients are not required to utilize any third party products or
services that we may recommend and they can receive similar services from other professionals at a
similar or lower cost.
• Review of existing Estate Plan documents $200
o Have an attorney review and comment on your current Estate Plan and recommend
any needed changes or updates.
• SIG Client Creation of a new Will based plan $1,095 ($1,295 for non-clients)
o Living Will, Medical Power of Attorney, Financial Power of Attorney
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