Broker Check

Fees

Whether you're an individual seeking growth and well-being, a corporation aiming for success, or a non-profit organization dedicated to making a difference, our tailored fee structures cater to your unique needs. Regardless of who we are working with, we set up our fee structure to be fair for our clients while compensating us fairly for all our services and expertise.

We believe in being transparent about how we get paid. Below are the various ways clients can compensate us for our services:

Financial Planning

Compensation is received by paying a one-time consulting fee. We will add updates to the plan at no cost.

Each plan typically takes our firm approximately 20 to 60 hours to complete depending on how complex your financial situation is.

For clients who have over $1 million in advisory assets with us, we provide the financial plan free of charge.

PDF Preview

Asset Management

Our advisory fees for actively managing the first $5 million of a client's assets are comparable to the industry, but we do much more than just take care of your investments. Asset management is only a fraction of what we do for our clients. We provide all the services outlined on our Individual Services page as part of our standard service model.

For clients for whom we manage over $5 million in advisory assets, we reduce our advisory fee to 0.10% (10 Basis Points) on every dollar over $5 million.

Brokerage Account

Brokerage Account

  • These assets don't need to be actively managed, just looked after from time to time, so we don't feel the need to charge an advisory fee on these assets.
  • The assets we typically don't charge an advisory fee on are:
    • Money Market 
    • CDs
    • Bonds
    • Concentrated stock positions
Advisory Account

Advisory Account

  • No commissions are charged.
  • Annual fee charged as a percentage of the account balance.
  • The fee is determined by the amount of total household advisory assets that we manage for you and your family.
  • 15% discount for public service – military, law enforcement, EMT, and firefighters.
  • Blended Fee rate


*PPS Custom Program (Platform) Account client will pay an annual management fee, as outlined in the blended fee schedule above.

*In addition to the annual management fee, PPS Custom Program clients may pay platform fees, administrative charges, and miscellaneous account fees and charges, as described in the Master Services Agreement (MSA) or PPS Client Agreement (as applicable) and Commonwealth’s ADV Part 2A Brochure.

Retirement Plans

Fee Comparison for 401(k), 403(b), 457, & Profit-Sharing Plans

We prefer to be compensated on a fixed per-participant fee basis for our consulting services, so your fees do not increase as the plan assets increase.

Below are some examples of the fees 401(k) plans incur by paying an asset-based or wrap fee compared to a fixed per-participant fee.

Business Succession Planning

If we take on a client to help them buy or sell a company, we want to make sure that it makes financial sense for them. In other words, we want the money you could potentially save from our recommendations to easily cover our fees so that essentially we pay for ourselves.

What are the fees based on?

  1. The anticipated time it will take to complete all of the services outlined.
  2. The complexity of the situation, family dynamics, etc.

Payment Structure

  • 65% due with signed service agreement 
  • 35% will be due at the completion of the 'Formulate a Plan' stage

Account Management

Brokerage Account

  • These assets don't need to be actively managed, just looked after from time to time, so we don't feel the need to charge an advisory fee on these assets.
  • The assets we typically don't charge an advisory fee on are:
    • Money Market 
    • CDs
    • Bonds
    • Concentrated stock positions

Actively Managed Account

  • No commissions are charged.
  • Annual fee charged as a percentage of the account balance. The fee is determined by the amount of total household advisory assets that we manage for the company.
  • Blended Fee rate

Fees / Compensation

  • Our annual advisory fee is typically 0.25% or lower for Non-Profit Organizations.
  • To help the organization's cause, we provide a discounted fee for managing the investment assets of a non-profit organization.
  • The fee is determined by the assets we manage for the organization and the services we provide.
  • Details will be outlined in the Service Agreement.

PPS Custom Program (Platform) Account client will pay an annual management fee, as outlined in the blended fee schedule above.  

In addition to the annual management fee, PPS Custom Program clients may pay platform fees, administrative charges, and miscellaneous account fees and charges, as described in the Master Services Agreement (MSA) or PPS Client Agreement (as applicable) and Commonwealth’s ADV Part 2A Brochure.

How Financial Professionals Are Compensated

How Financial Professionals Are Compensated

Read this overview to learn how financial advisors are compensated.

Have a Question?

Thank you!
Oops!