Wealth Management
Our fees are calculated as a percent of your portfolio assets according to the following table, with a minimum annual fee of $3,600. Fees are billed quarterly in arrears based on the end of the quarter value and are prorated for partial quarters. Download our Form ADV here and our Form CRS here.
$0 to $1 million
0.85%
- Annual Rate
Next $1 million
0.70%
- Annual Rate
Next $1 million
0.55%
- Annual Rate
Over $3 million
0.40%
- Annual Rate
For Example
- Clients with $850,000 of investment assets managed would be charged 0.85% annually.
- Clients with $1,750,000 of investment assets managed would be charged 0.85% on the first $1 million and 0.70% on the next $750,000.
- Clients with $4,500,000 of investment assets managed would be charged 0.85% on the first $1 million, 0.70% on the next $1 million, 0.55% on the next $1 million and 0.40% on the next $1.5 million.
Our Financial Planning is completed on a one-time engagement basis. Every situation is unique, but the total project cost is based on our planning tiers.
Click on the tiles below to see which description best represents your current situation to understand what is included. The price ranges are an estimate as an FSI financial advisor needs a better idea of your full financial picture to provide a more detailed quote. After completing our meeting form, a Financial Symmetry financial advisor will be in touch. Our planning tiers are based on our best estimates using decades of collective planning experience. Your advisor will communicate if additional charges are expected based on your situation.
You might fit in this category if:
- You started working in the past 10 years
- You want answers to questions like how much and in what types of accounts to save
- You are balancing debt payoff and retirement savings
- You are interested in purchasing a home
- You need spending strategies and goals
- You are interested in basic tax savings opportunities
- You want guidance on basic life insurance coverage needs and estate planning
- You want to build a foundation for making future financial decisions
What you receive:
An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation with you and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation ranges of stocks, bonds and cash (iii) a comparison of different financial planning scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed based on the time taken to create it.
You might fit in this category if:
- You have the characteristics of Tier I to a more complex degree
- You have started accumulated savings in 401(k)s/403bs
- You want guidance on life insurance coverage needs and estate planning or have existing policies and documents
- You seek advice on pre-retirement decisions and strategies
- You want to be more proactive with tax planning
- You may have received or expect an inheritance or other windfall
- You are interested in exploring the timing of retirement or financial independence
- You seek advice on the future timing of social security
- You are a single individual, pre-retirement with a simple situation that is not Tier III
- You are starting a family and want guidance with planning for college
What you receive:
An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation together and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation of ranges of stocks, bonds and cash. (iii) different financial plan scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed at actual time to complete.
Characteristics of this Category include:
- You have the characteristics of Tier II to a more complex degree
- You are established in your career, approaching retirement or recently retired
- You seek advice on the timing of retirement
- You need help with stock options, restricted stock, employee stock purchase plan and/or deferred comp plan
- You are a small business owner with no employees
- You seek advice on evaluating pension options
- You need help with how to pay for college for older children
- You have existing insurance policies or estate documents
- You have received an inheritance or other windfall
- You need advice on whether you can afford a second home
- You have multiple investment accounts
What you receive:
An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation together and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation of ranges of stocks, bonds and cash. (iii) different financial plan scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed at actual time to complete.
Characteristics of this Category include:
- You have a highly complex overall financial situation or have complex financial questions
- You have characteristics of Tier III but to a more complex degree
- You are primary owner of a business that has employees
- You have complicated stock options or restricted stock terms
- You have participated in deferred compensation for several years and have multiple elections
- You have a significant number of investment accounts
- You own complicated insurance polices
- You have a large, complex estate plan
What you receive:
An in-depth review of your financial situation with advice tailored to your questions and concerns. We review your situation together and provide specific financial planning recommendations. After our meeting we provide a detailed report that typically includes: (i) cash flow/net worth projection, (ii) recommended allocation of ranges of stocks, bonds and cash. (iii) different financial plan scenarios (i.e. different retirement ages, spending levels or investment returns), and (iv) any other specific analysis requested. Financial plan is billed at actual time to complete.
Explore Our Services
We are an independent, employee-owned financial advisory firm in the Triangle area of North Carolina that provides financial services on a fee-only basis. Our team of financial advisors puts your interests first by helping with financial planning, investment management, retirement planning, tax planning, social security analysis, college planning, 401(k) allocation and estate planning.
