Pricing Options

Every relationship begins with a comprehensive financial plan built around your goals, resources, and priorities. Your plan addresses cash flow, retirement, investments, taxes, insurance, estate planning, and education funding, as applicable.

You can engage us for financial planning alone or combine planning with professional investment management.

Your first year begins when you pay your initial financial planning deposit.

Financial Planning Only

$3,000 for the first year

We develop a comprehensive financial plan and recommendations you can implement yourself or with your existing investment providers. You do not need to transfer assets to us.

$1,500 annually for ongoing planning after year one

An ongoing planning engagement includes continued financial planning and reviews to help you adjust as your circumstances and goals change.

Financial Planning + Investment Management

$3,000 for the first year, including investment management

Your first-year planning fee also includes management of the assets you entrust to us, regardless of the amount. There is no additional ATX Portfolio Advisors® investment management fee during that first year.

Included investment management runs through the end of your first year, measured from the date you pay your initial planning deposit. Transferring assets later does not restart that period.

After year one, your asset-based advisory fee includes ongoing financial planning.

You do not pay the separate $1,500 annual planning fee. Instead, you pay for investment management under either of the two fee schedules below, both of which include ongoing financial planning:

• Standard Fee-Only: An annual asset-based advisory fee, billed quarterly.

• Fee-Only (When You’re Up): An annual asset-based advisory fee, billed quarterly, with the fee waived for qualifying quarters under the terms described below.

Underlying investment expenses apply separately, as described below.

Standard Fee-Only

Our standard investment management fee is calculated using the annual rates below and billed quarterly in arrears. Ongoing financial planning is included.

Rates apply separately to each tier, producing a blended fee. For example, a household with $2 million in managed assets pays $7,500 on the first $1 million and $5,000 on the next $1 million—an annualized advisory fee of $12,500, or 0.625%, before changes in account values.

Fee-Only (When You're Up)

This option uses higher annual advisory rates, with no advisory fee for quarters when your ending account value, adjusted for deposits, withdrawals, and advisory fees, is unchanged or lower than at the end of the preceding quarter. Ongoing financial planning is included.

Rates apply separately to each tier, producing a blended fee.

Each quarter is evaluated independently. A fee applies when the adjusted account value increases from the preceding quarter, even if the account remains below an earlier peak.

For example, if your adjusted account value declines from $1 million to $900,000, no advisory fee applies for that quarter. If it then increases to $950,000 the following quarter, an advisory fee applies for that recovery quarter.

How Quarterly Fees Are Calculated

For both schedules, we calculate the advisory fee based on the value of managed assets on the last business day of the completed quarter. We apply the annual tiered rates, divide by 365, and multiply by the number of days in that quarter. Fees are billed quarterly in arrears.

Under Fee-Only (When You’re Up), the calculated fee is waived if the adjusted ending account value is unchanged or lower than at the end of the preceding quarter.

Household Pricing

We combine the accounts we manage for your household when applying the fee tiers. This allows your household to reach the lower pricing tiers collectively. The resulting blended rate reflects the amount of assets within each tier; the lowest tier reached does not apply to the entire balance.

We do not charge an advisory fee on 529 accounts we manage as part of your household. Underlying investment and plan expenses still apply.

Underlying Investment, 529 Plan, and Donor-Advised Fund Expenses

Mutual funds and exchange-traded funds have operating expenses, reflected in their expense ratios, that are separate from our advisory fee. The funds deduct these expenses, which reduce investment returns.

529 plans may charge plan-level administrative fees, and donor-advised fund (DAF) sponsors may charge administrative fees. These charges are separate from our advisory fee and any underlying investment expenses.

We do not charge an advisory fee on household 529 accounts we manage. Underlying investment and plan expenses still apply.

DAF assets we manage are subject to advisory fees as specified in your advisory agreement, in addition to any sponsor administrative fees and underlying investment expenses.

CUSTODIAL COSTS FOR TRANSACTIONS

All trading costs are included in the Annual Advisory Fee for “Fee Only (When You’re Up)” and “Standard Fee Only” accounts except as otherwise specified in your advisory agreement