Service Model and Fees

As a planning focused advisor, I offer several different ways to work with me that provide great value for my clients and adequate profitability for my practice. If we mutually agree to work with each other, then as a prospective client you can choose from the following service models:

Advisory Services Only

A fixed, one-time fee for planning services only. The fee for this service ranges from $300 to $900 depending upon the complexity of your planning needs. A price for this service is quoted within the initial consultation meeting. Before any planning service is provided you will be required to sign the Initial Planning Agreement which confirms the fee charged in writing. Payment of the fee is due at the end of the second meeting where the completed plan is presented to you. Ongoing annual reviews of your plan are available for an additional $250 per review.

Product Based Services

1. Asset Management Services: You may choose to designate me as your advisor of record on your investable assets. Annualized asset management fees are between 1% and 1.5% depending upon the investment model and service platform selected. With selection of this service model, all planning services are included. Ongoing annual reviews and continual monitoring of your plan and assets is also included.

2. Mutual Fund Services: You may choose to designate me as your advisor of record utilizing a mutual fund investment model. With the selection of this service model, all planning services are included. Ongoing annual reviews and continual monitoring of your plan and assets is also included. Additional account fees may apply and are fully described within the Raymond James account agreements.

3. Additional Services may include products such as Universal Life policies with Long Term Care riders, Annuities, other insurance or mutual fund based products, alternative investment vehicles, or other commission based products when appropriate. These products typically charge commissions and have additional fees that are explained as relevant and on a case by case basis.

In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.

Prior to making an investment decision, please consult with your financial advisor about your individual situation. Investing involves risk and investors may incur a profit or a loss.

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