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Our Fees

Each and every one of our clients is unique and deserves a financial planning experience that fits their needs. Because of this, we offer several different arrangements to fit the way you would like to work together. You can choose financial planning, investment management, or both, depending on your needs.


Financial Planning - Hourly

This arrangement provides financial planning in the area(s) of your choice at a hourly rate. You'll work with a fiduciary, CERTIFIED FINANCIAL PLANNER™ to develop a plan that fits your needs, whether it be a full financial plan, or just a single topic of interest. Since it's an hourly rate, you can budget for exactly how much planning and how many or how few meetings you desire.

Hourly Fee: $250


Financial Planning - Annual Engagement

This arrangement provides the best value for teachers who want to become and stay financial fit over the long-term. It includes three meetings annually and the behind the scenes work on our end to make them happen, along with unlimited email access to a fiduciary, CERTIFIED FINANCIAL PLANNER™ who specializes in working with teachers like you. During our time together, we work through the development and implementation of a full financial plan, with analysis, recommendations, and step-by-step assistance putting everything into action in each important area of your financial life. No matter what life throws at you, you'll have a trusted professional ready to help you make the most of your finances.

Starting Annual Fee: $3,000 ($600 upfront fee & $200 per month)


Private Client Services

This arrangement is for teachers who would like ongoing, professional management of their retirement and investment accounts from a fiduciary professional. We start by identifying your goals, mapping out your investment portfolio, and determining your appetite for risk. Then, we provide an analysis that details where your portfolio is now and recommendations for how you can make improvements by reducing fees, modifying or changing strategies, being more efficient with taxes, and more. From there, we work for you, directly managing your accounts, making the important changes when necessary, and providing you semi-annual updates. You can have the peace of mind that when it comes to managing your nest egg, we've got it covered!

Assets Managed*
Annual Fee
First $999,999
1.20%
$1,000,000-$1,999,999
1.10%
$2,000,000-$2,999,999
1.00%
$3,000,000-$3,999,999
0.90%
$4,000,000-$4,999,999
0.80%
$5,000,000 and Above
Negotiable


Our annual fee is tiered and based on the value of your portfolio as follows. Generally, we deduct fees directly from the accounts we manage in the most strategic and tax-efficient way possible, but there is also an option to pay by check for those who wish. 

*This service is available for accounts opened through our custodian, TD Ameritrade Institutional, and accounts with other companies; however, options may be limited within accounts held with other companies.


Investment Advisory Services

This arrangement is for teachers who would like ongoing, professional management of their retirement and investment accounts from a fiduciary professional. We start by identifying your goals, mapping out your investment portfolio, and determining your appetite for risk. Then, we provide an analysis that details where your portfolio is now and recommendations for how you can make improvements by reducing fees, modifying or changing strategies, being more efficient with taxes, and more. From there, we work for you, directly managing your accounts, making the important changes when necessary, and providing you semi-annual updates. You can have the peace of mind that when it comes to managing your nest egg, we've got it covered!

Assets Managed*
Annual Fee
First $499,999
1.00%
$500,000-$999,999
0.95%
$1,000,000-$1,499,999
0.90%
$1,500,000-$1,999,999
0.85%
$2,000,000 and up
0.80%


Our annual fee is tiered and based on the value of your portfolio as follows. Generally, we deduct fees directly from the accounts we manage in the most strategic and tax-efficient way possible, but there is also an option to pay by check for those who wish. 

*This service is available for accounts opened through our custodian, TD Ameritrade Institutional, and accounts with other companies; however, options may be limited within accounts held with other companies.


Annuity Planning Services

This arrangement is for teachers who would like ongoing, professional management of their annuity accounts from a fiduciary professional. We start by identifying your goals, mapping out your investment portfolio, and determining your appetite for risk. Then, we provide an analysis that details where your portfolio is now and recommendations for how you can make improvements by reducing fees, modifying or changing strategies, being more efficient with taxes, and more. We may even be able to assist you in what we call "Annuity Rescue" to get you out of a sub-optimal annuity account to a better one. From there, we work for you, directly managing your accounts, making the important changes when necessary, and providing you semi-annual updates. You can have the peace of mind that when it comes to managing your nest egg, we've got it covered!

Assets Managed*
Annual Fee
First $499,999
1.00%
$500,000-$999,999
0.95%
$1,000,000-$1,499,999
0.90%
$1,500,000-$1,999,999
0.85%
$2,000,000 and up
0.80%


Our annual fee is tiered and based on the value of your portfolio as follows. Generally, we deduct fees directly from the accounts we manage in the most strategic and tax-efficient way possible, but there is also an option to pay by check for those who wish. 

*Options may be limited based on the nature of annuities and the different firms who issue them. Each situation is custom and will be evaluated to determine the best possible outcome for each client.


Tax Preparation Services

This arrangement is exclusively for teachers who are existing clients through one or more of our services above. It includes the full preparation and filing of Federal and State income taxes, along with any additional assistance that may be required when it comes to their taxes. This work may be done in coordination with a partner CPA firm and the fee is determined based on the complexity of each client's tax situation.

Flat Fee: $300 - $1,000


Employee Benefit Plan Services

This arrangement is for school districts who are look for a firm to serve as the dedicated Fiduciary Advisor for their retirement plan (403(b), 457(b), 401(a), 401(h), and/or 401(k). As part of this service, we build and maintain a customized investment line-up for participants, model portfolios for participants to utilized (as requested), and our renowned Financial Fitness for Teachers financial education series. This may also include the evaluation and analysis of current retirement plan providers, assistance with a recordkeeper search/request for proposal, and training for the implementation and ongoing maintenance of a district retirement plan/investment committee.

Fee Range: 0.30% - 1.00% of Plan Assets Annually

(Each engagement is custom, please reach out to use for a specific quote)


Educational Seminars & Speaking Engagements

Our Financial Planners are public speakers and conduct trainings and speaking engagements specifically on financial planning for teachers and general financial literacy. These sessions are engaging, interactive, and are available for small and large group formats.

Fee: Free (Pro-Bono) - $3,000 + Travel Expenses

(Each engagement is custom, please reach out to use for a specific quote)