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.
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.
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.