We believe it's important that you understand how we charge for our services.
We've outlined key information below, but if you have any specific questions, just give us a call.
Investment Advisory – Services Provided
- Review your personal/family/business needs, goals, and beliefs
- Determine financial objectives including time horizon, risk tolerance, and PPS Custom asset allocation
- Portfolio construction and management
- Investment policy statement
- Independent investment advice
- Monitor portfolio on discretionary basis
- Rebalancing and reallocation
- Tax-Loss Harvesting in taxable accounts
- Monthly/Quarterly reporting and tax reporting
- Regular portfolio review meetings
- Online account access
Investment Advisory – PPS Custom Breakpoint Fee Schedule
Envision Financial Planning uses a ‘breakpoint’ fee schedule which means the fee is the same on all your assets depending on where you fit in the schedule.
Some advisors use a ‘blended’ fee schedule which means you pay different fees on different asset tiers – for example, your first dollar would always be charged a higher fee than say, your millionth dollar.
PPS Custom Program (Transactions) Account clients will pay an annual management fee, as outlined in the breakpoint fee schedule below. The management fee is negotiable, billed quarterly, and, unless otherwise agreed, shall be based on the value of assets in the Account.
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 PPS Client Agreement and Commonwealth’s ADV Part 2A Brochure.
|
Account Size |
Maximum |
|
|
Greater Than or Equal To |
Less Than |
Annual Fee |
|
$0 |
$50,000 |
1.25% |
|
$50,000 |
$500,000 |
1.00% |
|
$500,000 |
$1,000,000 |
0.90% |
|
$1,000,000 |
$2,000,000 |
0.80% |
|
$2,000,000 |
$3,000,000 |
0.70% |
|
$3,000,000 |
$4,000,000 |
0.60% |
|
$4,000,000 |
$5,000,000 |
0.55% |
|
$5,000,000 |
$6,000,000 |
0.50% |
|
$6,000,000 |
$7,000,000 |
0.45% |
|
$7,000,000 |
$8,000,000 |
0.41% |
|
$8,000,000 |
$9,000,000 |
0.375% |
|
$9,000,000 |
$10,000,000 |
0.34% |
|
$10,000,000 |
And up |
0.32% |
Financial Planning – Services Provided*
- Retirement Planning
- Estate Planning & Review
- Risk Management and Insurance Planning
- Education Planning
- Wealth Building
- Asset Protection
- Investment Tax Planning
- Debt Management Review
- Cash Flow Analysis
- Employer Plan Benefits Plan Analysis
- Charitable Planning
- Health Care Planning
*Investment Advisory Clients with assets under management in excess of $1,000,000 will receive complimentary Financial Planning Services. As an ‘a-la-carte’ option, Financial Planning Services can be obtained through hourly billing of $250 per hour or a flat fee as negotiated.