Flat Fee Wealth Management

What is wealth management?

Wealth management combines financial planning with investment management in a holistic way. We start by understanding your unique needs and circumstances, and then we tailor a plan that fits your goals.

Investment Management

  • Development and Implementation of Investment Policy Statement – your personalized investment strategy
  • Access to Dimensional Fund Advisors (DFA) Funds
  • Portfolio Rebalancing – to keep your portfolio in line with your objectives
  • Tax-loss Harvesting and Tax-efficient Withdrawal Strategy
  • RMD Calculation and Distribution
  • Quarterly Market Commentary
  • TD Ameritrade as Third-Party Custodian to Safeguard Client Accounts
  • Access to a Chartered Financial Analyst®

Financial Planning

  • Retirement Income Planning – your plan for turning your nest egg into cash flow for life
  • Tax Planning – minimizing taxes means more money in your pocket
  • College Savings Planning
  • Life Insurance Review
  • Estate/Beneficiary Review
  • Social Security Maximization Analysis
  • Charitable Gift Planning
  • Access to a Certified Financial Planner®

Who is wealth management for?

Our clients are looking for a long-term partnership with a trusted expert – not a high-pressure sales pitch, hot stock tip, or get-rich-quick scheme. Most of our clients are either:

a. Long-time savers approaching or in retirement who are seeking guidance on how to turn their nest-egg into income that will last the rest of their life. They understand that there are some pivotal decisions to make that could be the difference between an ideal retirement and just surviving. They want to work with someone who will look out for their best interests.

b. High-income professionals looking to invest wisely, minimize taxes, and grow their wealth. They understand the value of delegating, but want to get value for their dollar and don’t want conflicted advice or hidden fees. They typically have portfolios in excess of $300,000 and are adding to them aggressively.

Our Flat Fees

We don’t earn commissions for selling products or charge a percentage of the portfolio we manage for our clients. Instead we charge a flat annual fee for our services as follows:

Standard Custom Tax-Managed Portfolios ( What's this? )
Individual $5,400 $8,400
Couple $6,600 $9,600

( See how our fees compare )

We believe our flat fee approach provides two valuable benefits to our clients:

  1. Unbiased advice – Unlike most financial advisors who earn commissions or who charge based on a percentage of your portfolio, our compensation doesn’t vary based on the recommendations we make. By sitting on the same side of the table as you, we can give the best advice possible for your situation Learn More
  2. Lower overall costs – Since we don’t receive commissions, we are able to implement your plan with lower-cost investment and insurance vehicles usually available only to large institutions. In addition, our flat fee represents significant savings to those with portfolios over $1,000,000, compared to the traditional 1% of assets approach. Learn More

Gain confidence in your future. Partner with us today!


Custom tax management means that we can't manage your portfolio to our standard model portfolios. This typically occurs if you are in a high tax bracket and have a large taxable portfolio (meaning outside of retirement accounts). Our tax management includes building a custom portfolio around the securities with embedded capital gains, performing regular tax-loss harvesting, and for those who desire it, implementing tax-efficient charitable gifting strategies. These strategies can provide significant tax savings for some investors. We will help you analyze whether the benefits of this service outweigh the costs.

 SwitchPointAsset-Based Fee AdvisorCommissioned Advisor
Advisor Compensation by Portfolio SizeAnnual Flat FeeAverage Annual Fee*Varies by product, typically 4-12% upfront plus ongoing trails
500,000 5,400 -6,600 5,000 ?
1,000,000 5,400 - 9,600 10,000 ?
2,500,000 5,400 - 9,600 18,750 ?
5,000,000 5,400 - 9,600 32,500 ?
Fiduciary DutyYesYes - if fee-onlyNo
Portfolio AnalysisYesYes?
Ongoing Investment ManagementYesYes?
Review of non-managed accounts (401k, HSA, etc)Yes??
Retirement Income PlanningYes??
Tax Minimization PlanningYes??
Life Insurance ReviewYes??
Estate Plan ReviewYes??
Comprehensive advice not influenced by compensationYesNoNo
* Average fees based on https://www.kitces.com/blog/independent-financial-advisor-fees-comparison-typical-aum-wealth-management-fee/