Transparent Fee Structure

Our Investment Management Services include basic financial planning, continuous investment services, money management, and custody at our third party broker (TD Institutional). Our fee does not include transactional expenses charged by our third party broker. Transactional expenses are the commissions charged per trade by our third party broker, and we do not receive any payments from these services. Transaction costs range from $9.99-$16.99 per trade.

Our continuous investment services include strategy, asset allocation, investment selection, and risk management. As part of out commitment to continuity of service, we provide to our clients portfolio reports, monthly commentary, quarterly communications, and brokerage statements.

In a commission relationship, accountability ends at the point of sale.
In our ongoing, fiduciary relationship, our accountability never ends.

RGA Model

Your fiduciary
Provide guidance
Earn professional fees
Provide open architecture
Maintain your interests
Preserve clarity
Work approachably
Independent financial advisors

Broker Model

Your salesman
Sell products
Work on commission
Offer house products
Navigate conflicts of interest
Create confusion
Operate reclusively
Traditional brokerage
Low Range AUM Fee %
Up to $200,000 Minimum Relationship Fee of $2,000 Per Year
$200,001 – $500,000 2.00%
$500,001 – $1,000,000 1.75%
$1,000,001+ 1.50%