It all starts with a conversation
Our Fees
Toler Financial Group Fee Schedule August 16, 2024
Financial Planning:
Most of our clients start with comprehensive financial planning. We typically charge $4000-$6000 upfront for an intensive process of about 6 months.
Investment Management:
Annual investment management fees are calculated based on the total assets managed for your family by our firm – here are the specifics:
Breakpoint fees
Household AUM range actual fee on assets
0-$500,000 1.25%
$500,000 – $1,500,000 1%
$1,500,000 – $3M .75%
$3M – $5M .6%
$5M – $10M .5%
Many clients are seeking an advisory relationship that includes investment management – they recognize the challenges of implementing their plan and want ongoing advice and professional asset management. They also might want their portfolio to better reflect their values. We continue our financial planning process throughout the investment management meetings, allowing a deeper relationship to grow over years of planning together.
For clients who do not invest with us, or who invest less than $500,000, we charge a monthly fee to continue with meetings. This fee may vary according to complexity of topics and frequency of meetings.
We meet with our investment clients at least twice per year and they have access to our planning platform and advice from our advisors via phone or email.
Preparing for the Journey
Comprehensive Financial Planning
We start with a human touch – taking our time, getting to know you and your hopes, dreams and goals. We work together to build a clear and simple model of your financial situation – that lets us consider the future clearly, and prioritize your many important goals. We typically spend 3-5 meetings together charting the course ahead, teaching and exploring financial topics, and fixing problems we identify.
As we learn more, we may need additional resources for parts of your plan – attorneys, accountants, student loan experts, mortgage and insurance brokers – our services include coordinating with the other professionals that can provide their expertise for a comprehensive solution.
Ready to Go
Portfolio setup
With a deep understanding of your current situation, and having addressed any problems, we are ready to get your accounts set up and working for you. We will talk over your investing goals and concerns, and how we’ll respond to life events and market downturns.
Just like a any destination has different pathways leading to it, we have various investment choices we can follow, depending on your needs and desires. From socially responsible portfolios to income-oriented solutions, we can help you find the right approach that feels comfortable, practical and aligns with your values and objectives.
The Trek Together
Staying on course
As your guide, our advisory team continues watching the various components of your financial plan, ensuring we stay on track toward your destination. Our planning system keeps your goals and plan up-to-date, making it easy to re-evaluate and respond to any necessary short-term change.
We know it is tough to weather bad news and rocky markets, and we are by your side for whatever life throws your way. Research shows that investor behavior is the single most important factor in long-term success and wealth building. We work together to manage tough decisions sensibly so that your long-term future is secure.
When everything is set up and working well, we typically meet about 2 times a year for any updates and portfolio reviews.
We Also Offer:
Foundational Financial Planning
We also offer basic financial planning for families just starting out. This is a shorter process that covers the basics of family protection, and saving and investing for future goals in just a few meetings.
Advanced Financial Planning
Some of our clients have debt or cash flow challenges that require a longer planning process, and the fee is adjusted accordingly. Others have additional complexity with businesses, real estate or trust planning beyond the usual. We strive to offer a fair fee for our time and expertise.
Retirement Planning
If you are within about 5 years of retirement, it’s time to start taking a detailed look at your retirement income plan. In addition to a comprehensive financial review, we offer an income analysis using the Income for Life Model.