Our Pricing
Our pricing structure is straightforward and transparent. It's clearly spelled out, so there are no surprises. Reach out to us if you want more information on our services and how we are paid.
What We Do
We provide financial planning and investment advisory services. As such, you can rely on us to oversee all of the important details of your personal finance. In summary, we help you:
- Design and implement a comprehensive financial strategy that will address all of your financial objectives
- Build and manage your investment portfolio(s) in alignment with your goals, risk tolerance, and time horizon
- Identify opportunities to continue to improve your financial situation
- Identify issues and problems before they become acute
- Coordinate the activities of your other advisors (your CPA, attorneys, etc.)
How We Are Paid
For the services outlined above, our pricing is based on a percentage of the value of your assets (investments) that we manage under the annual fee schedule below.
1.25% on assets to $500,000
1.00% on assets between $500,001 and $5,000,000
0.75% on assets between $5,000,001 and $10,000,000
0.50% on assets in excess of $10,000,000
We don't require a minimum fee or minimum investment balance to work with us. However, if you are a new client and your household account balance is less than $250,000, we bill an initial financial planning fee of $3,000.
We also provide stand-alone financial planning/consulting services and investment advice on a fixed fee or hourly rate of $300. Our fixed fee is priced based on the scope and complexity of each project.
1.25% on assets to $500,000
1.00% on assets between $500,001 and $5,000,000
0.75% on assets between $5,000,001 and $10,000,000
0.50% on assets in excess of $10,000,000
We don't require a minimum fee or minimum investment balance to work with us. However, if you are a new client and your household account balance is less than $250,000, we bill an initial financial planning fee of $3,000.
We also provide stand-alone financial planning/consulting services and investment advice on a fixed fee or hourly rate of $300. Our fixed fee is priced based on the scope and complexity of each project.
Insurance Solutions
In addition to the financial planning and investment advisory services outlined above, our advisors are also licensed to sell insurance. It generally involves needs analysis, carrier due diligence, product selection, policy design, tax and legal analysis, underwriting, and policy issue. This service is provided separately from and independently of Cultivant by our advisors who are paid a commission from an insurance company when a policy is placed.
