wealth management process and fees

The Wealth Management Fee Structure

As with everything we do, clarity and transparency is a hallmark of our service... our fees included.

Heritage Investors is a fee-onlyfinancial planning firm. This means we are not paid by commissions, sales or transaction charges, revenue sharing, kickbacks, or other compensation schemes as we work with you. We are paid on the success of your accounts, not by selling you something you don't need simply to receive a commision.

Level One - Premier Client Level Two - Select Client Level Three - Elite Client
The typical client:
  • Has assets but is not clear about investment options available.
  • Needs cash-flow management.
  • Inquires about insurance that will fit their needs.
  • Begins to question his basic tax planning strategies and retirement planning.
  • Has similar characteristics of Premier Level client but is dealing with more complex issues:
  • Wants asset protection and seeks objective advice about current insurance or estate planning.
  • Is established in a career and requires a more in-depth retirement planning, such as distribution planning and alternative scenarios.
  • Benefits from tax planning strategies to reduce tax liability and maximize eligibility to contribute to retirement plans.
  • Is concerned about education funding strategies.
  • May have received an inheritance or other windfalls.
  • Has similar characteristics of the Select Level client but is dealing with more complex issues:
  • Requires more involved debt management and analyzing of the year-by-year cash flows.
  • Seeks advice on pre-retirement decisions and wealth conservation strategies.
  • Needs an in-depth review of estate planning and insurance coverage.
  • May benefit from gifting strategies or tax strategies, such as charitable giving.
Meetings 1 meeting/year for financial plan review after the initial onboarding meeting. 2 meetings/year for financial plan review after the initial onboarding meeting. 4 meetings/year for financial plan review after the initial onboarding meeting.
Fees $1,800 - $3,600 $3,600 - $6,200 $4,800 - $8,500

Can we answer your questions?

If you need help with understanding the Wealth Management fees or any other fee structures, schedule a meeting with one of our team members. We will be happy to answer any questions.