Account Management Packages, Fees and Costs

Note: We believe that in order to manage your accounts effectively, it helps to have a good understanding of your overall financial picture and to help you with decision making and planning along the way.  For that reason our account management packages include bundled financial planning services.

Each account is managed with your own risk tolerance and time horizon(s) in mind, and personalized to your own situation.  These packages were established so that you know how much you can expect to be paying and what you will receive for it.

Bundled: Tactical Investment Management and Continuous Financial Planning

Fees: Deducted from the account as an annual percentage of assets.  Calculated and withdrawn monthly. Charged on a graded schedule, as follows:

$250,000 - $500,000: 1.5% per year

$500,000 - $1,000,000: 1.25% per year

$1,000,000 - $2,000,000: 1.0% per year

$2,000,000 - $3,000,000: .9% per year

$3,000,000 - $5,000,000: 0.8% per year

$5,000,000 and above: 0.7% per year

Description: We believe that for many people, utilizing a portfolio that actively manages risk and reduces overall exposure at times is important.  We designed our tactical management program using ETFs (Exchange Traded Funds) to access stock, bond, commodity, and foreign currency markets. Managed tactically for many factors including diversification, relative strength, sector rotation, defensive and offensive strategies.  At times, this strategy may utilize a cash allocation for risk management purposes.

Includes: Initial financial planning (up to 15 hours), financial plan monitoring, semi-annual phone or office appointment, yearly review, client wealth management software (PC, Mac, iOS, Android), and information distributed through newsletters and workshops.  Monthly statements, and 24/7 online account access. We are available for phone calls but will discuss additional billing if projects outside the scope of our arrangement are requested.

Other Costs: Our custodian, Fidelity, charges each account $7.99 per trade.  Exchange Traded Funds deduct a yearly expense as a percentage of holdings in that fund.  We make every effort to use funds with low fees, and we have access to many.  Trades in some ETFs are not charged a trade fee through our account trading platform.

Bundled: Semi-Passive Investment Management and Continuous Financial Planning

Fees: Flat fee, billed monthly.  Your monthly fee will be deducted from your account balance.

$100,000 - 250,000: $199/mo.

$250,000 - $500,000: $389/mo.

$500,000 - 1,000,000: $579/mo.

Description: We designed this program to provide financial planning and investment help to those who are getting started with building wealth.  This program provides stock market and bond market access utilizing a portfolio of very low cost Exchange Traded Funds with no trade fees. Managed for asset allocation, diversification, and low costs. We re-balance your portfolio monthly to meet your target allocation.  Stays invested, although funds within your portfolio may be replaced as needed.

Includes:  Initial financial planning (up to 10 hours), financial plan monitoring, semi-annual phone or office appointment, yearly review, client wealth management software (PC, Mac, iOS, Android), and information distributed through newsletters and workshops. Monthly statements, and 24/7 online account access. We are available for phone calls but will discuss additional billing if projects outside the scope of our arrangement are requested.

Other costs: As of December 2013, our custodian does not charge trade fees for the ETFs we use in this program.  Exchange Traded Funds deduct a yearly expense as a percentage of holdings in that fund. This program uses low cost funds. We have no plans for that to change, but it is subject to change.

Note: Our clients with accounts in and above the $500,000 - $1,000,000 level tend to have more complex planning needs and are usually more comfortable with our tactical management package.

Unbundled: Aggressive Account Management With Individual Stocks

Note: Only available to clients who have an account with us utilizing one of the above packages.  This should be an additional strategy of accumulation, not the primary strategy.

Fees: Deducted from the account as an annual percentage of assets.  Calculated and withdrawn monthly.

$50,000 and above: 2.0% per year

Description: Seeks to add alpha to an existing investment strategy using exposure to individual stocks, and in some cases, options contracts.  Accounts may experience active trading, large cash positions, and significant exposure to individual stocks.  This strategy is subject to more specific risk than a diversified strategy, where specific risk relates to the possibility of one company's decline or failure and the potential effects on a portfolio. 

Other Costs: Our custodian, Fidelity, charges $7.99 per trade.

Securities offered through WFG Investments, Inc., Member FINRA & SIPC. Investment advisory services offered through WFG Advisors, LP. We currently have individuals licensed to offer securities in the states of: TX, IL. This is not an offer to sell securities in any other state or jurisdiction.

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