Our premier service, Accountable Wealth Management, is based on the assets we manage for you. For clients that want financial planning only, we also offer both a flat retainer option and an hourly model. Read more about each option below.

Accountable Wealth Management  

Financial Planning + Evidence Based Portfolio Management + Accountability

Investment AmountNet Advisory Fee
FIRST $1,000,0001.00%
NEXT $4,000,000.75%
NEXT $5,000,000.50%
NEXT $10,000,000 - AND UP.25%

Calculation

At the end of the initial month, there is a flat fee of $500. In subsequent months, the fee is calculated by taking your month end balance of assets being managed multiplied according to the fee schedule above, divided by 365, then multiplied by the number of days in the month. 

Example 1
December ending balance of $1,000,000
$1,000,000 x 1.00% = $10,000
$10,000/365 = $27.38 per day
$27.38 x 31 days = $848.78 December Net Advisory Fee

 

Accountability 

After the first month, we will not charge the monthly Net Advisory Fee for our Accountable Portfolios if your month ending account value is less than the previous month's[i]. In the 30 years ending in 2016, the S&P 500®[ii] averaged 4.5 down months per year. In a bad year like 2008, not only was the market value down but declines occurred during 8 months.

Consider that if you experience a 10% loss during a correction, it takes an 11.11% return just to break even! It's during those times that we believe it's appropriate to lighten your load, not pile on.

Example 2
December ending balance = $1,000,000
January ending balance net of fees/deposits/withdrawals = $999,999
$0 January Net Advisory Fee

 

Referrals

We also will waive a monthly fee every time you refer us a new customer.

 

Household discounts

We aggregate all of your family's accounts that we manage when determining your Net Advisory Fee so that every account qualifies our for the lowest rate based on all of those assets.  Additionally, we do not charge advisory fees on 529 accounts we manage as part of your household.

 

underlying mutual fund And 529 Expenses

The mutual funds used in our models have expense ratios that are in addition to our advisory fee. The compilation of those funds are less than .30% in our Accountable Portfolios . There are no loads (commissions) or 12b-1 fees associated with DFA. 

529 Plans assess plan level administrative fees that can vary by plan. 

 

Custodial cost for transactions

All trading costs are included in the Net Advisory Fee for the Accountable Portfolios.

 

Bottom Line

The lower the fees you pay, the more of your money you keep.

 


Financial Planning

For clients that are in need of financial planning only, we offer two different ways to work with us.

1. Retainer Model

There is an initial $500 planning fee, followed by a $100 monthly retainer charged at the beginning of each month. 

The planning fee includes an initial consultation to determine your needs and the scope of the plan, a psychometric risk tolerance test, data gathering, plan development, and plan presentation. 

The monthly retainer covers guided implementation of your plan, an annual meeting to monitor your plan, access to your plan information through a secure online portal, access to our institutional trading platform (trading costs incur additional fees), aggregated performance reporting of outside accounts, as well as availability to consult on any questions or issues that arise throughout the year.

2. Hourly Model

In some circumstances, we will work with clients on an hourly basis. Our rate is $250 per hour and there is a minimum of three hours per engagement. An initial consultation to determine your needs and scope of the plan is complimentary, and an estimate of time required to complete your plan will be provided prior to entering into the engagement. 


[i]Net Advisory Fee is charged monthly, in arrears, based on the balance on the last business day of the month.  ATX Portfolio Advisors will waive the Net Advisory Fee for any month that has an ending balance, net of deposits/withdrawals/fees, that falls below the preceding month end balance.  

[ii]Indices are unmanaged and investors cannot invest directly in an index. Unless otherwise noted, performance of indices do not account for any fees, commissions or other expenses that would be incurred.  Returns do not include reinvested dividends. The Standard & Poor's 500 (S&P 500®) is an unmanaged group of securities considered to be representative of the stock market in general.  It is a market value weighted index with each stock's weight in the index proportionate to its market value.