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 - Full Service Financial Planning
Assets Under Management (AUM) fee — Who is it for? You want a partner who is there to help guide you in every aspect of your financial life. You may have recently lost a spouse, or went through a divorce, or are close to retirement. In any case, you want a strong advocate, supporter, and fiduciary that will deliver to you the highest level of financial expertise, in a kind, educational, and empathetic manner. 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 , Charles Swab. 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. 

Full Service Financial Planning

What's Included?


Comprehensive financial plan

At least two meetings to start our relationship

Regular six-month review meeting

Investment Management Included

Personal Financial Website

Referrals to other professionals within our extensive network

Dedicated service model

Unlimited emails/calls

Annual Meetings at your desired location

Meetings with your children as needed

Meetings with your other professional advisors as needed (CPA / Attorney / Insurance Advisors, etc.)



Assets Managed

Annual Fee

$50,000 to $99,999


$100,000 to $249,999


$250,000 to $499,999


$500,000 to $999,999


$1 million to $1,999,999


$2 million to $4,999,999


$5 million to $9,999,999


$10 million to $19,999,999


$20 million to $29,999,999


$30 million to $39,999,999


$40 million to $49,999,999



$50million and over




The minimum annual fee for our full-service offering is $5,000 per year. Fee schedules do not include internal fund fees, outside manager fees (if applicable), or any non-trading related transaction costs.

The above fee schedule applies to new clients of Capital360Financial, LLC and is subject to negotiation.


Less than $250,000 Managed by Capital360Financial- Hourly or Monthly Fixed Fee Financial Planning
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.

Hourly Financial Planning

Q. Who’s it for?

A. You have specific money questions or issues that you need advice on, you prefer to pay for only what you need, and you do not need an on-going relationship nor investment management.

What kinds of Money Questions Can We Help With?

Employee Benefits - 401k Allocation, Stock Options, Restricted Stock, Health Savings Accounts, Flexible Spending Accounts, Deferred Compensation

Insurance - Life, Disability, Long-Term Care

Investments - Allocation, Risk, Projections, Cost Analysis, Cash Balances

Taxes - Tax Planning, Deduction Maximization, Optimization, Coordination 

Estate Planning - Wills, Trust, Health Care Proxies, Power of Attorney, Letter of Instruction 

Retirement - Projections, Planning, Spend Down Decisions, Answer to "Am I on Track?" 

Housing - Rent vs. Buy Decisions, Deduction Optimizations, Long-term Projections

Budgeting - Spending Analysis, Expense Reduction Strategies, Debt Payoff

Liabilities - Debt Optimization, Refinance Decisions, Restructuring

Risk - Home, Auto, Umbrella, Cyber Security, Emergency Fund

Open Enrollment & Social Security Optimization


$325 per hour

Our rate is $325per hour. Often, we will need one billable hour to review your documents and prepare for our initial meeting or call. 

Subsequent calls can be booked in as little as 15-minute increments.   

Monthly Fixed Fee Financial Planning

Who’s it for?

A. You want an on-going, pro-active relationship with your financial planner that starts with a comprehensive financial plan, and includes regularly scheduled meetings to keep you on track, plus unlimited emails & calls between meetings.

What's Included?

Comprehensive financial plan

At least two meetings to start our relationship.

Regular six-month review meeting

Workplace Open Enrollment Advice

Personal Financial Website

Referrals to other professionals within our extensive network

Advice on investment allocation on all investment accounts

Dedicated service model

Unlimited emails/calls

$300 - $1,500 per month

(depending on complexity)

The above fee schedule applies to new clients of Capital360Financial, LLC and is subject to negotiation.