Fee and Service Schedule

Our fees vary depending on the service group you are part of. Below, you can find detailed fee schedules for each service group:

Who is a Wealth Builder?

Clients aged below 55 with financial assets ranging from $500,000 to $10,000,000.

Minimum Household Investable Assets: $500,000^*

^*Investable Asset Minimum waived for family members of existing or qualifying Retirement or Private Clients.

Sustainable Advantage^® Financial Planning, Consulting & Non-Discretionary Investment Advisory (NDIA) Services Fee Structure

Initial Financial Planning Fee: $5,000 to $15,000+ (One-time) billed in advance.
Bundled Wealth Builder Planning Subscription Tiered Service: $425 to $1,750/monthly (Starting from Year 2) billed in arrears.
Unbundled Financial Planning, Consulting & NDIA Services Hourly Rate: $750/hour

Service Tiers

Monthly Fee	Bachelor Tier $425/month	Hood Tier $850/month	Rainier Tier $1250/month	Denali Tier $1750/month
Comprehensive Financial Life Planning	X	X	X	X
Comprehensive Annual Review	X	X	X	X
Wealth Building Strategies	X	X	X	X
Retirement Savings & Distribution Strategies	X	X	X	X
Corporate Benefits Review	X	X	X	X
Employer-Sponsored Plan Asset Allocation	X	X	X	X
Annual Credit Report Review	X	X	X	X
Education Planning	X	X	X	X
Investment Management Strategy	X	X	X	X
Investment Asset Allocation Analysis	X	X	X	X
Annual Investment Meeting	X	X	X	X
Account Consolidation	X	X	X	X
Client Account Aggregation Service	X	X	X	X
Wealth Performance Reporting	X	X	X	X
Secure Cloud File Vault	X	X	X	X
On-Demand Financial Statements	X	X	X	X
Cash Flow Analysis	X	X	X	X
Behavioral Finance Coaching	X	X	X	X
Beneficiary Review	X	X	X	X
Debt Elimination Strategies		X	X	X
Insurance Review		X	X	X
Mortgage Review		X	X	X
Long Term Care Planning		X	X	X
On-Demand Financial Plan Review		X	X	X
Annual Banking Review		X	X	X
Tax Planning Services		X	X	X
Specials Planning		X	X	X
Investment Consulting & NDIA			X	X
Charitable Planning Services			X	X
Business Startup & Growth Planning			X	X
Employee Equity Compensation Planning			X	X
Self-Employed Retirement Plan Services			X	X
Pre-Marital Planning			X	X
Annual Meeting with CPA			X	X
Resident / Non-Resident Allen Advisory Services			X	X
Inheritance & Windfall Planning			X	X
Divorce Settlement Planning			X	X
Disability & Settlement Planning			X	X
Asset Protection Strategy & Planning				X
Estate Planning Services				X
Trust Review Services				X
Annual Meeting with Attorney				X
Executive Compensation Planning				X
Tax Residence & Cross-Commissioner Services				X
Due Diligence Services				X
Business Sale Planning				X
Real Estate Sale Planning				X
Entrepreneur Advisory Services				X

On-Boarding + Planning Meetings

Preliminary Discovery Meeting: 30 minutes (Phone/Virtual)
Financial Life Plan Discovery: 2 hours (Virtual/In-person)
Financial Behavior Profile & Analysis: 1 hour (Virtual)
Sustainable Advantage^® Financial Life Plan Strategy: 2 hours (Virtual/In-person)
Sustainable Advantage^® Financial Life Plan Implementation: 2 hours (Virtual/In-person)
Financial Life, Planning & Account Technology Systems Onboarding: 1 hour (Virtual)
Sustainable Advantage^® Quarterly Review: 3 × 1-hour sessions (Virtual) YR 1
Financial Life Annual Review & Tax Planning Meeting: 1-2 hours (Virtual/In-person)

Sustainable Advantage^® Asset Management UMA Fee Schedule: Clearing & Custody through BNY Mellon | Pershing

Household Assets	NPAM Advisor Management Fee	Osaic Wealth Platform Fee	Total Client Fee
<$250,000	2.15%	0.324%	2.474%
$250,000 - $500,000	1.95%	0.289%	2.239%
$500,000 - $750,000	1.75%	0.279%	2.029%
$750,000 - $1,000,000	1.65%	0.244%	1.894%
$1,000,000 - $1,300,000	1.45%	0.219%	1.669%
$1,300,000 - $2,000,000	1.35%	0.219%	1.569%
$2,000,000 - $5,000,000	1.25%	0.184%	1.434%
$5,000,000 - $25,000,000	1.10%	0.139%	1.239%
$25,000,000 and above	0.95%	0.099%	1.049%

Sustainable Advantage^® Asset Management Fee Schedule: Clearing & Custody through Schwab Institutional

Household Assets	NPAM Advisor Management Fee	Osaic Advisory Services Platform Fee	Total Client Fee
<$250,000	2.15%	0.18%	2.330%
$250,000 - $500,000	1.95%	0.18%	2.130%
$500,000 - $750,000	1.75%	0.18%	1.930%
$750,000 - $1,000,000	1.65%	0.18%	1.830%
$1,000,000 - $1,300,000	1.45%	0.18%	1.630%
$1,300,000 - $2,000,000	1.35%	0.18%	1.530%
$2,000,000 - $5,000,000	1.25%	0.18%	1.430%
$5,000,000 - $25,000,000	1.10%	0.18%	1.280%
$25,000,000 and above	0.95%	0.16%	1.110%

*All Asset Management Accounts are actively managed on a discretionary basis. Asset Management fees are annualized, paid quarterly, in advance directly from account as default billing method. Alternative fee structures may apply for non-UMA (Unified Managed Account), Unwrapped, or Wrapped Fee Advisor Managed Portfolio (AMP) accounts. Does not include individual Separately Managed Account (SMA), Third Party Asset Manager (TAMP), Exchange Traded Fund (ETF), 12b-1 Mutual Fund (MF), Unit Investment Trust (UIT) or Closed-End Fund (CEF) fees.

Included Asset Management Platform & Services

iCore^™ Sustainable Advantage^® Bespoke Individual Equity Portfolio (custody at BNY Mellon | Pershing or Schwab Institutional)
Sustainable Advantage^® Risk Managed Global Macro Dynamic Factor Overlay Portfolio
Liquid Cash, Currency, Precious Metal Bullion Reserves & Treasury Management
Wrapped Fee Unified Managed Account (UMA) Structure
Third Party Asset Manager Programs [Wrapped UMA Only]
Separately Managed Accounts (SMA) [Wrapped UMA Only]
Wealth Performance Reporting System (BNY Mellon | Pershing X or Orion)
Coordinated Investment Portfolio & Financial Life Tax Management
Custom Risk Management Strategy
Custom Investment Policy Statement
Custom Liquidity/Treasury Management
Custom Hedging Strategies for Concentrated Holdings
$2.5 million - $5 million in FDIC Coverage
Private Banking through BNY Mellon | Pershing
Advisor Managed HSBA (Health Savings Brokerage Account) through BNY Mellon | Pershing and HSA Bank or Schwab Institutional
Donor Advised Funds (DAFs) through BNY Mellon | Pershing and American Endowment Foundation or Schwab Charitable through Schwab Institutional

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Who is a Retirement Client?

Clients aged 55+ with financial assets ranging from $1,000,000 to $10,000,000.

Minimum Household Investable Assets: $1,000,000^*

^*Investable Asset Minimum is waived for family members of existing or qualifying Retirement or Private Clients.

Sustainable Advantage^® Financial Planning, Consulting & Non-Discretionary Investment Advisory (NDIA) Services Fee Structure

Initial Financial Planning Fee: $7,500 to $15,000+ (One-time) billed in advance.
Bundled Financial Life & Retirement Planning Subscription Tiered Service: $625 to $1,750/month (Starting from Year 2) billed in arrears.
Unbundled Financial Planning, Consulting & NDIA Services Hourly Rate: $750/hour

Service Tiers

Monthly Fee	Ocean Shores / Rockaway Tier $625/month	Hood Canal / Newport Tier $850/month	Gearhart / Manzanita Tier $1250/month	Bainbridge / Orcas Tier $1750/month
Comprehensive Financial Life & Retirement Planning	X	X	X	X
Comprehensive Annual Review	X	X	X	X
Withdrawal & Distributional Services Social Security & Medicare Strategy	X	X	X	X
Employer-Sponsored Plan Asset Allocation	X	X	X	X
Annual Credit Report Review	X	X	X	X
Retirement Income Planning	X	X	X	X
Education Planning	X	X	X	X
Investment Management Strategy	X	X	X	X
Investment Asset Allocation Analysis	X	X	X	X
Annual Investment Meeting	X	X	X	X
Account Consolidation	X	X	X	X
Client Account Aggregation Service	X	X	X	X
Wealth Performance Reporting	X	X	X	X
Secure Cloud File Vault	X	X	X	X
On-Demand Financial Statements	X	X	X	X
Cash Flow Analysis	X	X	X	X
Behavioral Finance Coaching	X	X	X	X
Beneficiary Review	X	X	X	X
Debt Elimination Strategies		X	X	X
Insurance Review		X	X	X
Mortgage & Retirement Location Review		X	X	X
Elder & Long-Term Care Planning		X	X	X
On-Demand Financial Plan Review		X	X	X
Annual Banking Review		X	X	X
Tax Planning Services		X	X	X
Special Needs Planning		X	X	X
Investment Consulting & NDIA			X	X
Charitable Planning Services			X	X
Business Startup & Government Planning			X	X
Employee Equity Compensation Planning			X	X
Self-Employed Retirement Plan Services			X	X
Pre-Marital Planning			X	X
Annual Meeting with CPA			X	X
Resident / Non-Resident Allen Advisory Services			X	X
Inheritance & Windfall Planning			X	X
Divorce Settlement Planning			X	X
Disability & Settlement Planning			X	X
Asset Protection Strategy				X
Estate Planning Services				X
Trust Review Services				X
Annual Meeting with Attorney				X
Executive Compensation Planning				X
Tax Residence & Cross-Border Planning Services				X
Due Diligence Services				X
Business Sale Planning				X
Real Estate Sale Planning				X
Entrepreneur Advisory Services				X

On-Boarding + Planning Meetings

Preliminary Discovery Meeting: 30 minutes (Phone/Virtual)
Financial Life & Retirement Plan Discovery: 2 hours (Virtual/In-person)
Financial Behavior Profile & Analysis: 1 hour (Virtual)
Sustainable Advantage^® Financial Life & Retirement Strategy: 2 hours (Virtual/In-person)
Sustainable Advantage^® Financial Life & Retirement Plan Implementation: 2 hours
Financial Life, Planning & Account Technology Systems Onboarding: 2 hours (Virtual)
Sustainable Advantage^® Quarterly Review: 3 × 1-hour sessions (Virtual)
Financial Life & Retirement Annual Review & Tax Planning: 1-2 hours (Virtual/In-person)

Sustainable Advantage^® Asset Management UMA Fee Schedule: Clearing & Custody through BNY Mellon | Pershing

Household Assets	NPAM Advisor Management Fee	Osaic Wealth Platform Fee	Total Client Fee
<$250,000	2.15%	0.324%	2.474%
$250,000 - $500,000	1.95%	0.289%	2.239%
$500,000 - $750,000	1.75%	0.279%	2.029%
$750,000 - $1,000,000	1.65%	0.244%	1.894%
$1,000,000 - $1,300,000	1.45%	0.219%	1.669%
$1,300,000 - $2,000,000	1.35%	0.219%	1.569%
$2,000,000 - $5,000,000	1.25%	0.184%	1.434%
$5,000,000 - $25,000,000	1.10%	0.139%	1.239%
$25,000,000 and above	0.95%	0.099%	1.049%

Sustainable Advantage^® Asset Management Fee Schedule: Clearing & Custody through Schwab Institutional

Household Assets	NPAM Advisor Management Fee	Osaic Advisory Services Platform Fee	Total Client Fee
<$250,000	2.15%	0.18%	2.330%
$250,000 - $500,000	1.95%	0.18%	2.130%
$500,000 - $750,000	1.75%	0.18%	1.930%
$750,000 - $1,000,000	1.65%	0.18%	1.830%
$1,000,000 - $1,300,000	1.45%	0.18%	1.630%
$1,300,000 - $2,000,000	1.35%	0.18%	1.530%
$2,000,000 - $5,000,000	1.25%	0.18%	1.430%
$5,000,000 - $25,000,000	1.10%	0.18%	1.280%
$25,000,000 and above	0.95%	0.16%	1.110%

Included Asset Management Platform & Services

iCore^™ Sustainable Advantage^® Bespoke Individual Equity Portfolio (custody at BNY Mellon | Pershing or Schwab Institutional)
Sustainable Advantage^® Risk Managed Global Macro Dynamic Factor Overlay Portfolio
Liquid Cash, Currency, Precious Metal Bullion Reserves & Treasury Management
Unwrapped or Wrapped Fee Unified Managed Account (UMA) Structure
Third Party Asset Manager Programs [Wrapped UMA Only]
Separately Managed Accounts (SMA) [Wrapped UMA Only]
Wealth Performance Reporting System (BNY Mellon | Pershing X or Orion)
Coordinated Investment Portfolio & Financial Life / Retirement Income Tax Management
Custom Risk Management Strategy
Custom Investment Policy Statement
Custom Liquidity/Treasury Management
Custom Hedging Strategies for Concentrated Holdings
$2.5 million - $5 million in FDIC Coverage
Private Banking through BNY Mellon | Pershing
Advisor Managed HSBA (Health Savings Brokerage Account) through BNY Mellon | Pershing and HSA Bank or Schwab Institutional
Donor Advised Funds (DAFs) through BNY Mellon | Pershing and American Endowment Foundation or Schwab Charitable through Schwab Institutional

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Private Client Services

Details will be added soon.

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Enterprise Strategy Services

Details will be added soon.

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