Fees
What you pay
One published, tiered advisory fee. Fee-only, with no commissions and no third-party compensation.
The advisory fee
What are the rates?
The firm’s account minimum is $1,000,000, waived for actively practicing dentists and dental specialists and for the children of existing clients.
Financial planning and practice-level guidance are included in the advisory fee. There is no separate charge for either.
| Assets under management | Annual fee |
|---|---|
| Up to $2,500,000 | 0.95% |
| $2,500,001 – $10,000,000 | 0.50% |
| $10,000,001 – $20,000,000 | 0.375% |
| Above $20,000,000 | 0.25% |
How billing works
What the fee covers, and how it’s charged
The fee is a percentage of assets under management, billed quarterly in arrears. Schwab deducts it from your account under your written authorization; the firm never takes possession of your funds.
Common questions
What does "fee-only" mean?
The firm is compensated solely through advisory fees paid by clients, never commissions, revenue sharing, or payments from any third party.
How are fees calculated?
The advisory fee is a percentage of assets under management, assessed on a tiered basis. Each tier’s rate applies to the assets within it. Fees are billed quarterly in arrears.
Is anything else charged?
The advisory fee is the firm’s only charge: no fixed, hourly, or minimum fees, and no commissions or referral fees. Financial planning and practice-level guidance are included; there is no separate fee. Third-party costs, such as the custodian’s and the funds’ own expenses, are set and charged by those providers, not by the firm.
Is there a minimum to become a client?
The firm’s account minimum is $1,000,000, waived for actively practicing dentists and dental specialists and for the children of existing clients.
Where does this schedule come from?
This is the fee schedule in the firm’s Form ADV Part 2A, Item 5. A copy of the firm’s Form ADV Part 2A brochure is available on request and through the SEC’s Investment Adviser Public Disclosure system at adviserinfo.sec.gov.
Talk through the fee
The introductory call is 30 minutes, enough to walk through what working with us would cost in your situation.