Usman Malik

Your best interest always comes first.  So, while we may be paid in various ways, your best interest is always our top priority.

Fees

For clients for whom we manage investment portfolios, we earn fees based on the value of assets we manage for you.

Assets Under Management / Annual Advisory Fee (as a percentage of your portfolio / Blended Fee Range

$100K - $800K / 1.35% / N/A
$800K - $2MM / 0.75% / 1.35% to 0.99%
$2MM - $5MM / 0.65% / 0.99% to 0.79%
$5MM - $10MM / 0.55% / 0.79% to 0.67%
$10MM - $20MM / 0.45% / 0.67% to 0.56%
$20MM - $25MM / 0.35% / 0.56% to 0.50%
$25MM+ / Negotiable / 0.50% to N/A

The Advisory Fee covers ongoing investment guidance provided by my team and I, including asset allocation, manager selection, portfolio construction, and if applicable, tax liability reduction strategies.  As you can see, the blended, annualized advisory pricing goes down as the advisory balance grows, since each additional dollar will fall under a lower priced tier.  The fee schedule is outlined in your Statement of Investment Selection document.

We believe that all our clients deserve a full and comprehensive plan; therefore, all engagements require a certain amount of our team’s effort.

Once client assets under management reach $800K, we significantly reduce fees because the additional assets do not add complexity at the same rate at which many fee structures charge. We believe our fee structure provides a fair set up for clients of all sizes. Moreover, our fee structure is extremely competitive in the investment advisory marketplace.

Commissions

In some cases, we will earn commissions on the investments purchased for you. The choice between fees or commissions will be yours. We will always disclose and explain your different options to you.

Separately, if we help you with insurance planning, we will earn commissions on the insurance policies purchased for you.