Our fee is 0.90 percent a year on the first $1 million, 0.70 percent on the next $2 million and 0.50 percent above $3 million, billed quarterly in arrears. On $2 million that comes to $16,000 a year. Use the fee calculator to see your figure.
Portfolios are built from low-cost index and bond funds held in your name at Charles Schwab. We rebalance when allocations drift, harvest tax losses when they appear, and send a quarterly report that shows your fees in dollars.
What is included
- 0.90% on the first $1M, 0.70% to $3M, 0.50% above
- Billed quarterly in arrears
- Accounts held in your name at Charles Schwab
- Tax-loss harvesting and asset location
- Quarterly report with fees shown in dollars
Questions about investment management
Who holds my money?
Charles Schwab holds your accounts as custodian. We can place trades and deduct the agreed fee, and we cannot withdraw money to ourselves.
What returns should I expect?
We do not project or promise returns. We can show you how a portfolio like the one we would recommend has behaved over past periods, and past performance does not guarantee future results.
How booking investment management works
A 20-minute introduction
A short call about what you are planning for. You don't need any documents, and there is no obligation.
A discovery meeting
We look at your accounts, income, taxes and goals, and tell you plainly whether we are a good fit.
Your written plan
You receive a plan and a fee agreement to read at home. Nothing is moved until you sign.
Other services
Retirement planning
For people five years or less from retirement: income, drawdown order and taxes.
Planning for business owners
Exit planning, concentration risk and retirement plans for your company.
Planning for physicians and dentists
High income, a late start and student loans, planned together.
Questions before you book?
Or call (555) 010-6650.