OUR PROCESS AND FEES
Our Wealth Advisory Services process – Getting Started and Onward!
Ready to Begin? Let’s go.
Once we have a clear understanding of your goals, we’ll factor in your time horizon and risk tolerance to provide you with the very best, unbiased advice for your situation. Your investment accounts held with our recommended independent custodian; Interactive Broker will be opened. Then, we’ll proactively manage those assets, communicate progress, rebalance as needed and work your plan. We stand ready to respond and adapt as life presents its ups, downs and opportunities.
Onward! Ongoing, proactive monitoring and management
As a fiduciary, it is our responsibility to proactively monitor, manage and adjust your investments so as to provide timely, unbiased advice - always with your best interests at the forefront of what we do. The goal – to keep your investment strategy in line with your overall financial goals. You can have peace of mind in our consistently providing:
- Ongoing research of underlying investments - specifically we are looking for low cost options that provide top tier category returns over the long term.
- Risk management approach - utilizing strategies such as dollar-cost-averaging and ongoing rebalancing to mitigate risk.
- Performance reporting - transparent performance reporting that shows portfolio returns net of fees.
- Disciplined investment approach - your asset allocation strategy is tied to your specific financial planning goals. We do not try to time the market, but rather help keep you on track and focused towards achieving your long-term objectives.
Wealth Advisory Services – Fee-Only
As we are a Fee-Only firm, our clients can have confidence that their best interests are at the heart of our independent, unbiased advice.
Our Fee-Only structure is based on your assets held under our firm's management held by our recommended independent custodian, Interactive Brokers. We’re paid by our clients – solely – not by any institution, brokerage firm, investment managers, corporation, or bank.
As we begin our engagement, we’ll need to gather information about your goals and your assets, provide initial advice and planning, establish your accounts, and set you up online with our recommended custodian, Interactive Broker. You are unique, and your plan is personalized to reflect your goals.
As a Fee-Only firm, we are compensated by our clients to provide unbiased advice and actively manage investments. The fee schedule applied is dependent upon the total amount of Assets Under Management (AUM) with Capital360Financial and held by our recommended custodian, Interactive Broker. Our established fee schedules are outlined below.
Greater than $250,000 Managed by Capital360Financial
Assets Under Management (AUM) fee — Our Wealth Advisory Services fee is based upon a percentage of the market value of your assets under our management and held by our recommended custodian, Interactive Broker This AUM fee is paid monthly, in arrears, based upon the average daily balance of the assets during the month. The range of this fee is 0.3% to 1.35% and directly deducted from the account you designate.
Less than $250,000 Managed by Capital360Financial
While we traditionally work with those having over $250,000 in Assets Under Management (AUM), we are motivated to support those building their wealth and in need of a trusted financial partner!
Our minimum Assets Under Management (AUM) requirement is $50,000. If you have between $50k - $100k, you will be charged 2.5% annually, if you have between $100k - $250k, 2.0% annually charge for our Wealth Advisory Services provided by dedicated advisors & a client support team. The client will pay % Assets Under Management Fee or hourly fee for investment management fee or fixed fee for financial planning. We work with you every step of the way to get you onboarded and set up towards achieving your goals.
Assets Under Management (AUM) fee — Our Wealth Advisory Services fee is based upon a percentage of the market value of your assets under our management and held by our recommended custodian, Interactive Broker This AUM fee is prorated and paid monthly, in arrears, based upon the average daily balance of the assets during the month. The range of this fee is 0.3% to 1.35% and automatically deducted from the account you designate.