Clear, Fee-Only Pricing

Clear Pricing, Honest Advice

You should have honest financial advice at a fair price.  You should be completely aware of the total fees you are paying.

Commencement Financial Planning LLC, a Fee-Only Registered Investment Advisor, not only clearly explains its own fees, but also clearly explains and quantifies those of any existing or potential investments.

Project-Based Engagements

The hourly project-based financial planning fee is $325/hour.  These engagements are short term in nature and cover planning areas such as retirement funding, portfolio review, debt analysis, taxes, estate, and insurance coverages.  Depending on the complexity of the situation, fees for these short-term planning engagements are typically in the range of $2,000-$3,000.

By the conclusion of these engagements clients will be armed with new information, analysis, and recommendations with which they themselves will ultimately implement and monitor.

Ongoing Relationships

Clients with an ongoing relationship are charged based on their level of investment assets, but services extend well beyond the investment portfolio.  It does not make sense to manage a portfolio in isolation from the rest of our financial affairs.  The areas of tax, insurance, estate, debt, cash flow, and portfolio management should all be coordinated.

Advisory fees are according to a sliding scale as described in Form ADV Part 2 and are equal to or less than 0.50%.  Also critically important, the weighted average internal fund fees for a typical client portfolio is approximately 0.10%.

Investment account minimum for this service is $1MM.

"Nothing astonishes men so much as common-sense and plain dealing."
Ralph Waldo Emerson, Art, 1841

Complimentary Initial Meeting

Complimentary "Get Acquainted" meeting to describe our services and to see whether our services are right for you.