Flat Fee Only
Our retirement planning services are
offered on a Flat Fee Only basis.
Our annual flat fee only structure is designed to provide clients with transparency, predictability, and value while compensating us for our experience, expertise, and the services we provide. Our flat fee is determined based upon the level of complexity and effort required, rather than based upon your portfolio size.
We believe that our flat fee only structure puts us on the same side of the table as our clients. Having the right incentives, combined with our expertise and experience, results in delivering the highest value to our clients.
We firmly believe that a flat annual fee is a more appropriate compensation method for the services we provide than the traditional percentage of assets under management (AUM).
Flat Fee Only Comparison to AUM
| Staib Financial Planning | Asset Based Advisors | |
|---|---|---|
| Fee Calculation | Flat Fee Only | % of Assets |
| Investment Management | ||
| Retirement Planning | ||
| Tax Planning | ||
| Retirement Specialization | ||
| Fiduciary Duty | ||
| Value to You! |
- The majority of “financial advisors” charge based on AUM (a % based on portfolio value)
- Their services are often limited to INVESTMENT MANAGEMENT only; with no / limited RETIREMENT PLANNING and NO TAX PLANNING related services
- Most significant TANGIBLE VALUE during retirement is most often realized with strategic TAX PLANNING
- Bundling Investment Management, Retirement Planning, and Tax Planning together is what most pre/retirees need/want
- Staib Financial Planning’s services are designed for clients such as yourself … to deliver MASSIVE VALUE!
= More Value to You!
Our Flat Fees
Most advisors charge between 1.0% to 1.5% per year based on assets under management (AUM). On an account size of $1,000,000, the fee would typically be between $10,000 to $15,000 per year. And the larger the account, the higher the fee...even if it isn't any more work!
The size of your investment portfolio is generally a poor indicator of the complexity of your financial life and therefore a poor measure of the amount of time and resources necessary to provide you proper planning and advice.
Our transparent flat fee only model addresses this divergence.
Unlike many advisors, our ongoing flat fee is not tied solely to the amount of your investment portfolio, but rather the amount of work.
Our ongoing service is generally most cost-effective and valuable for those with investable assets of $750,000 or more.
Flat fee based upon required work, not the size of your portfolio!
| Investment Portfolio | SFP Flat Fee* | Industry** AUM Fee |
|---|---|---|
| $750,000 | $7,500 | |
| $1,000,000 | $10,000 | |
| $1,500,000 | $12,750 | |
| $2,000,000 | $17,000 | |
| $2,500,000 | $10,000 | $18,750 |
| $3,000,000 | $22,500 | |
| $3,500,000 | $22,750 | |
| $4,000,000 | $26,000 | |
| $4,500,000 | $29,250 | |
| $5,000,000 | $32,500 |
*For illustrative purposes, NOT an offer of services
**1% up to $1m; 0.85% up to $2m; 0.75% up to $3m; 0.65% up to $5m
Flat Fee Based Upon Required Work, Not the Size of Your Portfolio!
Whether you’re looking for a comprehensive financial or retirement plan on a one-time or ongoing basis, we’re here to offer the customized solution and flat fee-only payment option that best meets your preference and unique needs.