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An annual fee, paid monthly for convenience.

Net Worth
Annual Planning Fee
Paid Monthly
< $500,000
$500,000 - $1 million
$1 million - $1.5 million
$1.5 million - $2 million
> $2 million

Net worth is calculated at the beginning of the relationship and revisited annually.

Why Net Worth?

  • Align our incentives – create a plan that maximizes your household net worth (instead of assets under management (AUM) or commissions generated by your advisor)
  • Focus on the Big Picture – focus on your total pie, not just the slice (investment account) managed by your advisor
  • Mitigate conflicts of interest – prioritize building an optimal plan (including debt payoff, asset location, and tax-minimization strategies), not building AUM for your advisor

How to Calculate Net Worth

  • Net Worth = Assets - Liabilities
  • Assets = Bank balances, retirement accounts, education savings, other investment accounts, real estate (lower of purchase price or appraisal value)
  • Liabilities (Debts) = Mortgage, student loans, auto loans, credit card debts, other debts
  • *Not included in asset calculation: personal use vehicles, personal property, collectibles not held for investment, and private business valuation

Frequently Asked Questions (FAQ)