Analysing the Numbers

FAIR
TRANSPARENT
COST-EFFECTIVE

 

BEING INDEPENDENT MATTERS

As an independent registered investment adviser, we provide fee-only advisory services. Unlike an institutional financial advisor, there are no hidden costs, commissions, trading charges, or referral fees on our part. Our changes are directly tied to your portfolio success. Charges are only for investment advice and management. The fee schedule is listed in the table below.

 

ASSETS UNDER MANAGEMENT (AUM)-BASED FEE

For comprehensive, ongoing investment advisory, and management services. Based on the percentage of assets under management (AUM). Fees are charged as an annual rate which will be divided into four quarterly​ payments. The minimum fee is $250/quarter.

  • For AUM less than 1,000,000: 1% of AUM

  • For AUM  between 1,000,000 to 5,000,000: 0.75% of AUM

  • For AUM more than 5,000,000: 0.5% of AUM

TIME-BASED,  CONSULTATION FEE

Time-based advisory services are appropriate for clients who want as-needed advice, rather than ongoing investment management. Typically suitable for clients who are only looking for 'portfolio-design' service and are comfortable placing and managing trades, on their own.

$250/hour

 

Other costs

We use Charles Schwab as an independent custodian to hold the client's funds. There are no trading fees for stocks and Exchange-Traded Funds (ETFs), However, some mutual funds have small transaction charges per trade as each fund charges an expense ratio. This is how fund companies and custodians are paid.  You will incur these fees regardless of who is managing your portfolio and out of the adviser's control.  We keep these fees in mind while designing your portfolio. We try to minimize these costs in the execution and management going forward. Some of the client's accounts [like 401(k) / 403(b) plans] may be held at an outside custodian. Because we do not have trading authority on those accounts.  Clients, with our instruction, will need to place trades themselves.

 

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8851 Ellstree Ln Ste 201, Raleigh, NC 27617, USA

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