Our Fees
We charge for clarity, coordination, and long-term results.
Investment Management
Investment management is not just about selecting investments—our role is to bring structure, discipline, and tax-aware strategy so your investments are managed with a focus on long-term growth.
We charge an annual advisory fee based on the assets we manage, designed to align our success with yours.
What does the investment management fee cover?
Portfolio design aligned with your goals and risk tolerance
Tax-aware investment strategy - tax loss harvesting, asset location, gain management
Ongoing monitoring, rebalancing, and adjustments
Call & Speak with us 6 am - 6 pm, 5 days a week
Cash flow and distribution planning
Structure
- Tiered percentage (declines as assets grow)
- Based on assets under management (AUM), billed quarterly
- Assets Under Management fee schedule reflective of advisory services offered through My Advice Architect
AUM | ANNUAL FEE |
|---|---|
| Up to $250K | 1.80% |
| $251 - $500K | 1.60% |
| $501 - $750k | 1.50% |
| $750 - $999K | 1.25% |
| $1M | 1% |
Wealth Management project-based consulting
For clients who need answers, direction, or a second opinion—without entering a full advisory relationship we can carry out a one-time financial planning project.
Project Examples Include:
Evaluating a major financial decision
Reviewing an existing portfolio or advisor
Tax strategy around a liquidity event
How much do I need to retire?
Business owner strategy (cash flow, entity, exit)
Investment portfolio analysis
Risk assessment or analysis of insurance coverage
Real estate cash flow analysis – impact of buying or selling a home
Funding college education
Reviewing estate planning documents in conjunction with your legal professional*
Stock options analysis
FEE STRUCTURE
Typically $1,500 – $3,500+ per project @$500 / hour
Based on scope, complexity, and urgency
Clearly defined upfront—no surprises
*For a Comprehensive review of your personal situation, always consult your legal advisor. Neither Cetera Financial Specialists LLC, nor any of it respresentatives may give legal advice.
Tax Planning & Preparation
Taxes are one of the most powerful tools in your financial life – not a one time a year obligation.
Tax planning is most effective when coordinated with your investments, business structure, and long-term financial plan.
Tax Planning
Proactive tax strategy and scenario analysis
Income timing and deduction planning
Entity structure optimization
Coordination with investments and retirement strategies
Business owner tax planning - distributions, payroll, reinvestment
Tax Preparation
Federal and state tax return preparation
Business and individual returns
Filing, documentation, and compliance
Coordination with bookkeeping and payroll
Year-end reporting - including W-2s and 1099s when applicable
Bookkeeping
Accurate financials are the foundation of every smart business and tax decision. We don’t just keep your books—we help you understand them and build from them. We integrate with your tax strategy and ensure clean, decision-ready financials.
CORE SERVICES
Monthly bookkeeping & reconciliation
Financial reporting - P&L, balance sheet, cash flow
Sales tax tracking - if applicable
Year-end coordination with tax planning
FEE STRUCTURE
$800 - $2,000/month
based on scope, complexity, and urgency • Clearly defined upfront—no surprises – a Letter of Engagement is created, discussed and signed. • Catch-up, clean up work is billed @ $185 / hour
Payroll
Reliable payroll, done correctly and on time—so you can focus on running your business. Payroll services are typically priced with a monthly base fee plus a per-employee charge, depending on the number of employees and payroll frequency.
CORE SERVICES
Direct deposit, paystubs
Payroll tax filings - federal & state
Year-end forms - W-2s, 1099s
Basic compliance support, correct withholding
FEE STRUCTURE – MONTHLY + PER EMPLOYEE
$115/month
includes 2 employees • $25 per additional
Common Questions About Our Fees
How are financial advisory fees paid?
Investment management fees are paid in arrears on the first day of the quarterly after the billing cycle is complete. Financial planning fees are paid via invoice; investment fees are deducted directly from accounts.
Are your financial advisory fees tax deductible?
Generally, financial advisor fees are not able to be deducted on your tax return – but make sure you get the advice of a tax professional as this can not be interpreted as guidance specific to your situation.