Simple, Transparent Pricing
We serve clients locally in South Carolina & virtually nationwide
High-Quality Service at a Competitive Price
Retirement Planning & Investment Management
New Clients:
Minimum Investments: $250,000
1.00% AUM Fee
Ongoing Retirement Planning with tax efficiency in mind
Retirement Income optimizing Strategies
Access to a secure web-portal to manage, update, and review your retirement plan
Tax Efficient withdrawal
Strategies
Roth IRA Conversion Planning & Implementation
Professional Investment
Management
Evidenced Based Investing
Tax Loss Harvesting
Portfolio Rebalancing
Access to Zero Commission Annuities if appropriate
(Note: We do not push annuities)
Estate Planning & Charitable giving guidance
Pricing may be adjusted based on the complexity of individual situations. Please schedule a consultation to discuss your specific needs and receive a personalized proposal.
Retirement Planning & Investment Management
New Clients:
Minimum Investment: $500,000
0.75% AUM Fee
Pricing may be adjusted based on the complexity of individual situations. Please schedule a consultation to discuss your specific needs and receive a personalized proposal.
Ongoing Retirement Planning with tax efficiency in mind
Retirement Income optimizing Strategies
Access to a secure web-portal to manage, update, and review your retirement plan
Tax Efficient withdrawal
Strategies
Roth IRA Conversion Planning & Implementation
Professional Investment
Management
Evidenced Based Investing
Tax Loss Harvesting
Portfolio Rebalancing
Access to Zero Commission Annuities if appropriate
(Note: We do not push annuities)
Estate Planning & Charitable giving guidance
Comprehensive Wealth Management
New Clients:
Minimum Investment:
$1,000,000
No AUM Fees!
Flat Fee: $9,000 Annually (paid quarterly)
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Equivalent to:
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0.60% AUM for $1.5 million
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0.45% AUM for $2 million
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0.30% AUM for $3 million
-
Ongoing Retirement Planning with tax efficiency in mind
Retirement Income optimizing Strategies
Access to a secure web-portal to manage, update, and review your retirement plan
Tax Efficient withdrawal
Strategies
Roth IRA Conversion Planning & Implementation
Professional Investment
Management
Evidenced Based Investing
Tax Loss Harvesting
Portfolio Rebalancing
Access to Zero Commission Annuities if appropriate
(Note: We do not push annuities)
Direct access to hedge funds
with no extra charge from us. (For HNW Only)
Estate Planning & Charitable giving guidance
Specialized Services & Details:
Fixed Income Portfolio Management: 0.50% AUM. For clients seeking a conservative, income-focused strategy.
Note: Investment management fees may be higher for clients with investable assets above $3 million or more complex situations.
Please schedule a consultation to discuss your specific needs, see if we are a good fit and receive a personalized proposal.
Explore how we can help you achieve your retirement goals
We Provide Full Transparency! No Hidden Fees.
We believe in the importance of full transparency when it comes to fees, which is why we offer a simple, straightforward fee structure that covers all aspects of our ongoing wealth management. Our flat-fee wealth management includes all retirement planning, income planning, tax planning, and investment management services.
WHY FLAT FEE OVER $1M+?
We believe in the importance of full fee transparency, we offer a simple, straightforward fee structure that covers all aspects of our ongoing Retirement planning, income planning, tax planning and investment management services.
Get transparent value and pricing. No AUM Fees, no commissions, and no hidden expensive fund fees.
Controlling the cost of financial advice is an important piece of the puzzle that should not be overlooked. We are committed to providing services that are transparent and fairly priced so your advisory costs don’t wind up impeding your
Wealth and Retirement Goals.
For clients with $1M+ in assets under management (AUM), we do not charge a percentage fee to manage these assets. Instead, our flat fee is $9,000 per year, which is taken out of your managed accounts on a quarterly basis. This is a significant savings compared to a percentage fee. For example, a 1% fee on $1.5M would cost $15,000 annually, and a 1% fee on $2M would cost $20,000 annually, not including any hidden fees or fund fees. On the other hand, a $9,000 flat fee is equivalent to a 0.60% AUM fee on $1.5M, a 0.45% AUM fee on $2M, and a 0.30% AUM fee on $3M.
HOW CAN WE AFFORD TO CHARGE SUCH A LOW FEE?
If you have a portfolio of $1M or more, you may be wondering how we can offer such excellent service and value while charging a low fee compared to most advisors. The answer lies in our cost-cutting measures. By eliminating the middleman, such as a broker-dealer or wall street firm, and not having an extravagant or expensive office, we are able to keep our expenses low. Additionally, the amount of time needed to plan and invest for a client with a $1M portfolio is not significantly different from those with $5M, so it is not necessary to charge a higher fee. We are not doing this to become millionaires, but because we enjoy helping others achieve their retirement goals. Yes, we make a living, but we don't need to make a million dollars a year in Columbia, SC. If you are paying an AUM fee and have over $1M, consider switching to a Flat Fee Fiduciary Advisor for greater value and service.
HOW MUCH ARE YOU PAYING YOUR CURRENT ADVISOR?
How much do you actually pay your financial advisor?
What services are they providing you for the 1% AUM fee per year?
Does the fee include comprehensive retirement planning and tax advice?
Do they really beat their benchmarks over the long run, investing in individual stocks or expensive mutual funds?
Do they charge you any commissions on individual bonds and annuities?
Are you invested in mutual funds through your advisor?
What are the expense ratios of those funds?
Do you know the actual dollar amount you are being charged each year?
If you don't know, you owe it to yourself to find out.
We are happy to do a free cost analysis of your current investments with no obligation or pressure to make a change.
Real Financial Benefits For You!
Traditional financial advisors charge a percentage of your portfolio each year using the "assets under management" (AUM) model. Unfortunately, this penalizes successful investors and erodes value, particularly impacting high net worth investors with assets over $1M+. Even seemingly modest AUM fees can substantially diminish a portfolio's value over time. How much is your advisor potentially costing you in the long run?
At Capital Wealth Group, we take a different approach. We are flat fee financial advisors, assessing a fixed, flat, and fair fee for HNW clients that remains unchanged regardless of your assets under management. Discover more about the detrimental impact AUM fees can have and why they don't correlate with the value provided by a financial advisor. Schedule a call today!
Disclosure: Chart shows the impact of fees on a $3,000,000 portfolio with an annualized return of 6% over a 20 year period. Assuming no contributions or distributions. The Flat Fee is $9,000/Yr and the AUM Fee is 1%. As your asset size grows some Advisors may lower the % AUM.