Fee Transparency
100% Fee Only Financial Advisors
Your Interests Always Come First
At RGWM, we have implemented a uniform fee schedule – one that is fair, transparent, and, most importantly, consistent. Some asset managers negotiate a different fee level from client to client – a practice that we don’t believe is ethical or fair. Unlike some advisors, our goal is not to charge the highest fee we believe we can negotiate. Our mission is to provide the highest quality investment, tax, and estate planning strategy possible to our clients at a fair, consistent cost. Because our fee-only financial advisors aren’t earning commissions, they can be focused on what matters most – you and your goals.
RGWM Wealth Fee Structure
AT RG WEALTH MANAGEMENT, WE ARE COMMITTED TO OUR PHILOSOPHY OF TRANSPARENCY AND TRUST
We want every potential client that engages our firm to know exactly what they’re getting and exactly what it will cost. If we receive a referral from a client, the client can be confident that their friend is receiving an equitable fee arrangement as well as the high standard of service they are accustomed to.
If an advisor is willing to negotiate their fees, there’s always one person who gets the best rate, and everyone else gets a worse deal. This creates a conflict of interest that would compromise the fiduciary standard we adhere to as a firm. At RGWM, our fees are transparent – use the fee calculator on the right to input your portfolio value to identify our fee rate.
Family Fee Aggregation
At RGWM, we’re proud to offer family pricing for our wealth management clients. What does that mean? Simply put, when you have family that joins the firm, we will aggregate the balances when determining your fee rate.
For instance, a client who has $3.4 million would normally be charged at the 0.85% rate, and their child with $1.7 million would be charged at the 0.95% rate. Under our family pricing rules, we aggregate their assets to $5.1 million for fees so that both individuals are charged at the 0.7% rate. In this scenario, the child saves $4,250 in fees, and the parent saves $5,400 annually.
Whether it’s helping you create a comprehensive financial plan or managing your investment portfolio, our fee-only financial planners are focused on your end goal. If one of your family members is interested in our fee-only, no-commission financial services, contact us for a complimentary consultation.
Investment Amount
Fee Rate (%)
0%Fee Schedule
Our fee for Wealth Management Services will vary depending on the amount of assets being managed, based upon the following fee schedule:
| INVESTMENT AMOUNT | AVERAGE FEE |
|---|---|
| Up to $999,999 | 1.30% |
| $1,000,000 – $1,499,999 | 1.05% |
| $1,500,000 – $2,499,999 | 0.95% |
| $2,500,000 – $3,499,999 | 0.85% |
| $3,500,000 – $4,999,999 | 0.80% |
| $5,000,000 – $6,999,999 | 0.70% |
| $7,000,000 – $14,999,999 | 0.65% |
| $15,000,000 + | 0.55% |
Once a new tier is reached, the entire portfolio balance (back to the first dollar) is charged at the new rate. This fee will be prorated and billed on a quarterly basis, in advance, based upon the market value of the Assets on the last day of the previous billing period (“Billing Period”) as valued by the custodian of your Assets.
Please read our full Disclosure Brochure before investing.
Our Promise To You
PHENOMENAL SERVICE AND A FAIR, TRANSPARENT FEE THAT’S TIED TO YOUR SUCCESS
Our team works on a single-rate fee structure, not on an incremental fee rate. This means that the first $1m is not charged at the 1.3% rate if you have $5m in assets under management; the entire $5m is charged at the .7% rate on our fee schedule.
Once a new tier is reached, the entire portfolio balance (back to the first dollar) is charged at the new rate. This fee will be prorated and billed on a quarterly basis, in advance, based upon the market value of the Assets on the last day of the previous billing period as valued by the custodian of your Assets. All Assets are subject to a minimum quarterly Wealth Management Fee of $1,000. Please read our full Disclosure Brochure before investing.
Alternatively, a competitor that has a similar fee schedule but charges incrementally charge the first $1m at 1.3%, the next $500k at 1.05%, the next $1m at .95%, and so forth. Ultimately, this can create a significant difference in the bill you actually pay to your advisor, and it’s worth calculating. Our cost for clients on the higher levels of our fee schedule routinely sees significant savings over other advisors with an incremental rate.
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