· I ·
Foundational
$1M – $3M
The full coordination engine — planning, tax, estate, insurance, digital protection — operating on a household just beginning to consolidate. Same advisor, same playbook, same signed record as every other tier.
· V ·
Pricing
One schedule.
Filed with the SEC.
Fee-only. No commissions, no revenue sharing, no product compensation. The same tiered schedule applies to every household we serve, from one million to thirty million. What you see here matches what is on file in our Form ADV Part 2A, Item 5.
· II ·
Established
$3M – $10M
Multi-account complexity, taxable plus retirement plus held-away, with the schedule's blended rate stepping down as assets aggregate. Quarterly review cadence; dedicated CCO oversight on every recommendation.
· III ·
Multi-Generational
$10M – $30M
Trust structures, inter-generational coordination, and concentrated positions handled in-house rather than referred out. The breakpoint at $5M and above caps at sixty-two basis points, regardless of total household size.
From the ADV · Part 2A, Item 5
Tiered, blended, billed quarterly in advance.
Fees are calculated on a blended (breakpoint) basis across applicable tiers. The minimum account is $250K, waivable at the firm's discretion.
| Tier | Household Assets | Annual Rate |
|---|---|---|
| I | $0K – $1M | 1.12% |
| II | $1.0M – $2M | 0.97% |
| III | $2.0M – $3M | 0.85% |
| IV | $3.0M – $5M | 0.69% |
| V | $5.0M & above | 0.62% |
Fees are negotiable. Final fees are set in each client's executed Investment Advisory & Financial Planning Agreement. See Form ADV Part 2A Item 5 for full disclosure.
Third-Party Platform & Technology Fees
- Adhesion Wealth (custodied at Schwab)0.12%
- AssetMark (custodied at Fidelity)0.25–0.30%
- Pontera (held-away retirement accounts)0.25%
Begin
Your folio, unwritten.
A one-hour conversation — no obligation, no deliverables, no cost. If we are the right fit, you will know. If we are not, we will tell you who is.
· Typically within one business day ·