At Cinder Wealth Advisors, we believe in transparency when it comes to pricing. Our goal is to provide clear, straightforward information so you can make the best decisions for your financial future. Below, we outline how we charge for our various services and explain the value each pricing model offers.
Asset Management Fees
We charge a fee based on the assets we manage for you. This allows us to remain aligned with your financial goals—our success is directly tied to the growth of your portfolio. Our fee structure is tiered, with lower rates as your assets grow.
Also, there are no trading or transactional fees – and if there are, we pay for them out of our fee.
What’s included?
- Ongoing investment management
- Regular portfolio reviews and rebalancing
- Access to tax optimization strategies
- Personalized risk management
- Regular performance reporting
| Total Assets Managed | Annual Fee |
|---|---|
| $0-$2m | 1% |
| Next $2m-5m | 0.75% |
| Next $5m-15m | 0.5% |
| $15m+ | Negotiable |
Financial Planning Fees
We offer financial planning services at various levels, depending on your needs. Whether you’re looking for a basic financial roadmap or a comprehensive plan to address multiple financial goals, we’ve got you covered.
- A la carte – $250/hr
- You tell us exactly the area you want advice or help with.
- Standard Plan – Starting at $3,000
- W2 Employees or Sole Proprietors
- Less than 3 rental properties
- One LLC or business entity max
- Additional complexity beyond what’s listed above can increase cost
- **Free Plan Updates
- Standard plan biannual refresh when we manage $1m+
- Standard plan annual refresh when we manage $2m+
- Business Planning – Starting at $8,500
- One business entity
- Standard plan plus review of operating and buy sell agreement
- Additional complexity beyond what’s listed above can increase cost
Estate Planning Fees
- Estate Tax Minimization Plan – Starting at $15,000
- Total estate less than $25m
- Recommendation for type of trusts that fit your situation
- Coordination with your attorney and valuation company to draft and fund your trusts.
- Includes design and 6 months of implementation
- Estate Tax Minimization Plan – Starting at $25,000
- Total estate greater than $25m
- Recommendation for type of trusts that fit your situation
- Coordination with your attorney and valuation company to draft and fund your trusts.
- Includes design and 12 months of implementation
Insurance Fees
If/when we recommend insurance products, we receive compensation from the insurance companies we partner with. This allows us to offer certain insurance planning services without charging you a direct fee for the placement of policies.
- Types of Insurance:
- Life insurance
- Disability insurance
- Long-term care insurance
- How We’re Paid:
- Commissions are paid directly by the insurance company when you purchase a policy through us.
- There are no additional costs to you—our compensation comes from the insurance provider as a standard part of the policy issuance.
Why We Use This Pricing Structure
We choose to price our services this way because it aligns with your best interests. Here’s why:
- Asset-Based Fees: These encourage us to focus on your long-term financial growth. Our compensation increases as your wealth increases, so we’re incentivized to help you succeed.
- Flexible Financial Planning Options: No matter where you are in your financial journey, we offer planning services at various levels to fit your unique needs.
- Estate Planning: Estate planning can evolve over time, which is why we provide ongoing services to keep your plan up-to-date.
- Insurance Commissions: Insurance commissions allow us to offer tailored insurance solutions with no upfront fees, making coverage more accessible.
Next Steps
If you’d like to discuss how we can help with asset management, financial planning, or estate planning, please reach out to us to schedule a consultation. We’re here to answer any questions and provide the support you need to achieve your financial goals.