PricingOur Fee structure
We want to be super transparent with our pricing structure. To that extent, we want you to be comfortable with our fees even before you come to see us for a “FREE Discovery” meeting.
We are fee-only, which means we have no conflicts of interest. We refuse commissions, referral fees or any other sort of kickbacks. Our only interest is You! This means that you as the client will always come first and that we will have no incentives beyond providing you with the best possible service.
Comprehensive financial planning
Comprehensive financial planning is not a one-time activity. Nor it is about delivering you a stack of documents to go through. It is about partnering with you and empowering you with the knowledge and tools required so you can make sound financial decisions, achieve your financial goals – throughout your life.
Our process starts with delivering you an initial plan with recommendations covering all aspects of your financial life. We then work with you to help you execute on plan recommendations by providing unlimited access to our time. We will review plan progress each quarter in a formal meeting and adjust plan recommendations and next steps accordingly.
Comprehensive financial planning is a flat fee service with two components:
1. An upfront fee to cover the initial plan, and
2. An ongoing retainer fees starting at the beginning of quarter 2.
Although we believe the commitment of one full year is reasonable to experience the fruits of the comprehensive service, we do not impose this on you. Our contract clearly stipulates either party can terminate the agreement with a 90-day written notice.
What you get
- Net Worth & Cash Flow Analysis
- Retirement Income Planning
- Investments Analysis
- Tax Planning & Strategies
- College Savings need Analysis
- Insurance Review & Gap Analysis
- Estate Planning
- Personal Finance website
- Unlimited access to Advisor
PricingUPFRONT AND QUARTERLY FLAT FEES
- Upfront – Varies between $1,500 and $3,000
- Retainer (from 2nd qtr) – Varies between $750 and $1,250
Ready to take the next step?
Our initial consultation is always FREE. We are confident the meeting will give you an opportunity to learn more about what we offer, and how you could benefit from our services.
Our investment philosophy is to manage your money in low-cost, tax-efficient, globally diversified portfolios for the longer-term. Based on well-defined criteria, we allocate and rebalance portfolios at the household level (as opposed to at individual account level). We will continuously monitor your portfolio and rebalance as needed.
Investment Management is charged as a % of assets we manage – payable quarterly in arrears.
What you get
- Investment goals and priorities
- Risk-based portfolio allocation
- Global diversified Investments
- Tax-efficient asset allocation
- Investment Policy Statement
- Help to consolidate accounts
- Consolidated statements
- Performance reporting
- Unlimited access to Advisor
Tier PricingAnnual % of assets payable quarterly
- $0.00 – $1,999,999.99 1%
- $2,000,000.00 – $2,999,999.99 0.8%
- $3,000,000.00 – $4,999,999.99 0.5%
- $5,000,000.00 and above Let’s talk
NEED MORE INFORMATION? OUR INITIAL CONSULTATION IS ALWAYS FREE
A La Carte Services
Although we believe comprehensive planning services are the best value for the client’s time and money, we do realize that there may be times where you need a one-time assessment of your financial situation or help to resolve a single financial issue and do not want to commit for a longer-term relationship – due to time or budget constraints. So, here is the pricing for some A La Carte services we offer.
One-time PlanningPriced per service
- One-time financial plan with recommendations – Varies between $2,500 and $4,000
- Education funding Analysis – Starting at $600 – Multiple children discount
- Hourly Consultations – $300 per Hour
- One time Portfolio review – 0.2% of Portfolio value – Minimum Fees $1,000
Frequently Asked Questions
We’re sure you have more questions. To make things easier for you, we have put down a list of most frequently asked questions. Hope this provides additional information about what it’s like to work with Unique Financial Advisors.
Have a different question? Contact us
Are you a fiduciary financial advisor?
Yes, I am. As a fiduciary, fee-only financial advisor, I have no conflicts of interest. I refuse commissions, referral fees or any other sort of kickbacks. My only interest is you! This means that you as the client will always come first and that I will have no incentives beyond providing you with the best possible service.
I am not sure yet if we are a right fit. Can I get a No-obligation meeting?
Absolutely. In fact, I offer two types of free consultations: 1) 15-minute quick chat, and 2) Full one-hour “discovery” meeting. These meetings provide you an opportunity to learn more about me and how you could benefit from my services. During the meetings, I will briefly review your current financial situation and concerns. Please note no specific financial or tax advice is given at these free sessions.
For Financial Planning subscription , do we need to commit for an entire year?
Although we believe commitment of one full year is reasonable to experience the fruits of our relationship, we do not impose this on you. In other words, you are not required to commit for the entire year. Our contract clearly stipulates either party can terminate the agreement with a 90-day written notice.
My Financial Accounts are scattered. WIll you help in consolidating the accounts?
Absolutely. We not only help you with recommendations of how to consolidate, we will help you with all the necessary paper work to facilitate the transfers as required.
What is your Investment Philosophy?
My investment philosophy is to focus on long-term investing, a globally diversified portfolio and low-cost exchange-traded funds. I analyze various factors, such as – risk tolerance, risk capacity, tax situation, and time horizon before allocating a client’s portfolio. I develop an Investment Policy Statement (a.k.a. IPS) for each of my Investment Management clients.
What are the Fees for Tax preparation?
While tax planning is integral part of our financial planning subscription, tax preparation is s seperate service. We offer tax preparation as a convenience to our advisory clients – to become a one-stop source for their financial service needs. That said, we will not charge you more than what you paid for your last year’s tax preparation. All what we ask is – a written receipt of your payment from last year.
Can I pay Comprehensive Financial Planning Fees using a credit card?
Yes, you can. We use a third-party payment procesing system to handle financial planning payments from our clients. The system allows you to pay via ach or credit card – your choice. In case, you do not prefer paying via the payment processor, and would like to pay via checks, we are open for such arrangement as well.
Do you have custody of our Assets?
No, we do not have custody of your assets. The assets are held at a custodian of choice. If we manage your investements, you will give us a limited access to your accounts which enables us to trade on your behalf and collect our fees when they are due.