SERVICES & FEES

Comprehensive Financial Planning

SWF offers Cashflow Analysis & Planning, Investment Education & Planning, Retirement Planning, Estate and Tax Planning, College Education Planning, and Risk Management Evaluation & Planning.

We typically charge a flat fee for the first year of planning, ranging from $2,500 to $5,000, depending on complexity. This is determined on our introductory call.

After the first year, if we manage more than $250,000 of client assets, then we typically do not bill for our time, unless we are working on complex modelling. If asset threshold is not met, we will proceed on an hourly basis after the first year.

HOURLY FEES

$250 - $350 depending on Advisory Team involved.  

INTRO PHONE CALL

The 30 minute introductory phone call is always complimentary. At the end of that call, we will discuss which fee option is right for you.

Asset Management Fees

We prefer to manage assets on fee-based platforms, though we are open architecture and can access many platforms to meet clients where they are in life.

For household assets less than $1 million, we charge 1%. For household assets greater than $1 million, we charge 0.85% - 1.20%, depending on complexity.

*In certain instances, clients can opt for a higher asset management fee of 1.50-2.00% in lieu of the Comprehensive Financial Planning fee.

In addition to the annual management fee, PPS Custom Program clients may pay transaction charges, 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.

Planning for Business Owners

Planning for business owners is typically accomplished through a flat fee for Comprehensive Financial Planning and includes a review of business cashflow as part of that process. Any further planning for the business is contracted on an hourly basis.

Risk Management Resources

We are licensed to act as your resource for Life, Disability, and Long Term Care insurance coverage, if needed. We hold appointments with 24+ carriers to ensure competitive analysis if these services are warranted.