All questions
Understanding Our Fees & Billing
In this short video, Bradley Clark explains why we charge one fixed annual fee, how and when you'll pay it, and what happens if you ever decide to leave. Written answers to each question follow below.
Why do you charge a fixed flat fee of $12,500?
Watch video answer at 0:45
We charge one flat, fixed fee of $12,500 per year because it removes every hidden incentive from the advice you receive. A percentage-of-assets fee quietly grows as your portfolio grows, even when the work does not — and it penalizes the very decisions that often serve you best, like paying off a mortgage, gifting to family, or spending more in early retirement. A flat fee means our recommendation is never influenced by where your money sits. The price is the same whether you have $2 million or $12 million, and it covers the complete relationship: planning, investment management, retirement income design, tax coordination, and unlimited access to your team.
How will I pay my fee?
Watch video answer at 1:15
Most clients have the fee deducted directly from a taxable investment account in quarterly installments of $3,125, which keeps the process automatic and, in many cases, allows a portion to be paid with pre-tax dollars when drawn from the right account. You can also pay by check or bank transfer if you prefer. Whichever method you choose, the amount never changes mid-year and there are no additional charges layered on top — no commissions, no product fees, no billing surprises.
What is your cancellation policy?
Watch video answer at 2:03
You can end the relationship at any time, for any reason, with a simple written notice. There is no contract term, no exit penalty, and no surrender period. We refund any prepaid portion of the fee on a prorated basis, and we help transfer your accounts wherever you'd like them to go. Your assets are held at an independent custodian in your name, so leaving is a matter of paperwork, not permission.
Are there any other costs I should expect?
Watch video answer at 3:40
Beyond the flat fee, you'll pay the underlying expense ratios of the funds we use — typically a small fraction of a percent — and any trading or custodial charges assessed by the custodian. We use low-cost, broadly diversified funds and receive no compensation from any of them.
Ready to take the next step?
If a flat fee and complete transparency sound like the way you'd want to be advised, let's see if we're a fit.