Fees

$11,000 Per Year

Our straightforward pricing provides transparency and minimizes conflicts of interest.

Why A Flat Fee?

As a fiduciary, we strive to put your interests first. To us, that means providing our service for a fair and transparent price while minimizing our conflicts of interest.

Most financial advisors charge based on the value of your portfolio. This is known as Assets Under Management (AUM). It typically costs about 1% of your investable assets per year.

At Think Different Financial Planning we do not charge based on how much we manage. Instead, we charge a flat annual fee of $11,000.

We do this for three reasons:

1. A flat fee is a more transparent, appropriate, and fair compensation method. It does not cost more to manage $5,000,000 versus $500,000. Why should a client pay tens of thousands of dollars more each year to receive the same service and portfolio?

2. AUM fees incentivize the advisor to manage as many assets as possible in order to increase their fee.

3. AUM fees are expensive. These high fees significantly reduce a client’s portfolio value. In fact, the total fees paid and reduced portfolio value can be  shocking when you compare our flat fee to a traditional 1% AUM model.

For example, assume a 7% rate of return for an investor with two million dollars. After 20 years the client’s portfolio is worth $842,581 less when paying a 1% fee, which starts at $20,000 per year and rises over time, versus a flat $11,000:

Using the same assumptions, an investor saves $515,712 in fees over 20 years:

If you are interested in working with a flat-fee advisor, we look forward to connecting with you.