What working with us costs
Most firms in this market will not tell you what they charge until you have sat through a meeting. Here is the number, what it covers, and what it does not.
Nearly three-quarters of people who set out to hire a financial advisor say fee transparency is essential to the decision. They will look at a firm's website before they ever pick up the phone. And yet pricing pages in this industry are rare, because a fee is easier to defend in a room than in a browser window. We would rather you had the number now.
Comprehensive relationship — starting at
$3,125 / year
Comprehensive financial planning, tax strategy, estate planning support and investment management, bundled into one cost, starting at $250k in assets under care. Because it is charged as a percentage of the assets we manage, the costs are paid directly out of your investments instead of arriving as a bill.
Included
- A comprehensive, written financial plan
- Ongoing plan maintenance, updated as your life changes, not filed away
- Proactive tax planning throughout the year
- Estate planning, and, for business owners, coordinating with your corporate council
- Retirement income and distribution strategy
- Investment management and rebalancing
- Insurance and risk review
- Meetings and phone calls (we don't bill by the hour)
Not included
- Expense ratios charged inside the mutual funds and ETFs you own
- Custodial, platform and transaction costs charged by the custodian
If you have less than $250,000
You are not disqualified, and this is worth saying because many people disqualify themselves. When Americans are asked why they have never hired a financial advisor, the most common answer is not cost or distrust. It is a belief that they do not have enough money to warrant one.
There is no balance below which we will decline to talk to you.
The first year of comprehensive planning work runs fifteen to twenty-five hours regardless of the size of the account. That does not shrink because the balance is smaller. Some firms solve this by setting a high minimum fee, which effectively turns people away. We would rather price the work honestly, keep the door open, and let you decide.
$100,001 – $250,000
Pick what you need
- Holistic Financial Plan — $1,999
- Estate Planning — $599
- Wealth Management — 1.25%
$250,001 – $500,000
Financial Plan included
- Holistic Financial Plan — included
- Customized Tax Strategy — included
- Estate Planning — $195
- Wealth Management — 1.25%
$500,001 and above
One cost, everything
- Holistic Financial Plan — included
- Estate Planning — included
- Customized Tax Strategy — included
- Investment management — 1.25% or less, going down as assets grow
We are boutique on purpose. You work with the same advisor every time. The person who built your plan is the person who answers the phone, and who will remember without being reminded that your daughter starts at KU in the fall and your mother's care costs went up in March. There is no service tier that determines how much attention you receive, and no team you get handed to once the paperwork is done. Firms with a thousand advisors cannot offer that; the systems that let them scale are the same systems that make every relationship look alike and make you feel like just a number.
We handle complex cases
and exit planning
If the bulk of your wealth sits outside the accounts we would manage (a closely held business, real estate, concentrated equity) tell us at the first meeting. A percentage of an investment account is a poor measure for that work, and we would rather build a fixed engagement that reflects what is actually involved.
Who we are not right for
We would rather you learned them here than three years in.
Lowest possible cost is the deciding factor
We are not the cheapest firm out there and we do not try to be. But for clients who want comprehensive financial planning, tax strategy, estate planning support, business succession strategy, employer plan design, a local presence, and a seasoned, credentialed advisor who knows your situation, we shine.
You want to direct the trading
We build and manage portfolios to a plan. We will tailor your portfolio to you based on your risk, your goals, your unique situation, and your investment values. If you want someone to execute your ideas, we probaby aren't the right fit.
The first conversation
It costs nothing and obligates you to nothing. Bring your statements and what you are paying now (if you know). If it turns out you are already well served where you are, we will tell you.