Transparent Fee-Based Services

Treece Financial's fee-based method of compensation are transparent and objective .

This model minimizes conflicts and ensures that we act as a fiduciary and always in your best interest.

We are compensated directly by our clients for advice, plan implementation, and for the ongoing management of assets.

We often make referrals to other professionals (insurance agents, attorneys, etc.) but we never receive any compensation from these referrals.

Assets Under Management (AUM)

AUM fees vary based on the size of the account and the specific money management, but our fees are very competitive, fully disclosed, and mutually agreed upon. This type of relationship is best for clients with a minimum of $250,000 in assets.

The benefits of an ongoing fee-based relationship include:

Regular, personalized communication
Review meetings once or more per year
Quarterly performance reports
Professional guidance on investments and all financial matters
A more disciplined approach to investing
A mutual incentive—we are genuinely motivated to grow your portfolio and preserve your wealth because it is in our best interest. too
Potential tax benefits—fees for advisory accounts are generally deductible against your federal income taxes

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.

Asset Range	Advisor Management Fee*
$250,000 - $499,999	1.00%
$500,000 - $999,999	0.95%
$1,000,000 - $1,999,999	0.80%
$2,000,000 - $2,999,999	0.70%
$3,000,000 and above	0.60%

*Custodian, platform, investment and internal fees are not included above.
Fees are negotiable for specific client situations and levels of engagement for clients with assets above $250,000 AUM. Planning is included.

Fee-for-Service

Everyone has financial planning needs — and we are here to assist at whatever level you need to address them.

Whether you are in need of expert advice on a specific financial issue, ready to create a financial plan to meet your goals, experience a life milestone that requires you to revisit your financial plan, or are assisting a family member to get their finances in order—we can help.

Payment may take the form as hourly fees, as a retainer, as a percentage of assets (AUM), or as a flat fee, depending upon the type of relationship that is best for both you and us.

Contact us to find out how we can best put you on the right path to more financial security.

Description	Fee	Scope of Service
Consultation	$350	1 Hour / 1 Meeting
Create a Financial Plan	$2,500**	8 Hours / 3 Meetings
Annual Financial Plan Consultation & Review	$1,200/yr	4 Hours / 1 Meeting
Basic Retirement Plan	$700	2 Hours / 1 Meeting

** The $350 consultation fee is included in this plan fee.

Insurance Products

The purchase cost of a contract with an insurance company varies by product. Contact us to review your needs and explore options.
For products like life insurance, disability insurance, annuities, and long-term care, the insurance company pays a commission to the advisor.

Clients at all levels of service enjoy access to these planning tools...

AdviceWorks Client Portal

Create and edit your financial goals and priorities within our comprehensive client portal. Track your progress against them. Work to build wealth through data and guidance. Create a secure digital safebox for all of your important legal, financial, and other account details and logins.

Learn more

401k Optimizer

Make your retirement savings work for you and your future. Receive ongoing guidance straight to your email and/or text and make better decisions about the money in your 401(k), 403(b), or 457.

Learn more

Plus, you can access videos, calculators, digital tools, checklists and more to help you analyze your cash flow, reduce debt, create budgets, track expenses, and plan for major purchases.

All fees are discussed and agreed upon prior to engagement.

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.