Your investment strategy should support your financial plan, not operate separately. Most new clients begin with a comprehensive financial planning engagement before deciding whether to add ongoing financial planning and investment management.
For clients who prefer to delegate investment implementation and ongoing portfolio management, we offer investment management alongside ongoing financial planning. Your portfolio is managed in coordination with your retirement, tax, cash flow, and other financial planning decisions.
Investment Management Approach
Investment management and portfolio implementation are supported by CGN Advisors, LLC, a fee-only SEC-registered investment advisory firm providing portfolio management, trading, and operational infrastructure. David remains your primary advisor throughout the relationship, while the CGN portfolio team supports implementation and ongoing management behind the scenes.
Together, we help you:
- Build an investment strategy aligned with your financial plan.
- Implement and rebalance your portfolio over time.
- Coordinate investment decisions with taxes, retirement income, and cash flow needs.
- Monitor and adjust your portfolio as your goals and circumstances evolve.
Investment Management Fee Schedule
Investment management fees are calculated using a tiered schedule based on household assets under management. Each rate applies only to assets within that tier.
Assets Under Management | Annual Fee |
|---|---|
First $1,000,000 | 0.75% |
Assets above $1,000,000 | 0.50% |
Investment management fees may be negotiable based on the size and circumstances of the relationship.
Pricing
The percentages shown above are annual fees and are billed quarterly in arrears. Ongoing financial planning is priced separately, with most relationships ranging from $5,000 to $8,000 per year, based on complexity and the level of ongoing support required. The planning fee is generally billed quarterly in arrears, with monthly billing available. The ongoing financial planning fee and investment management fee are included in the same advisory agreement, but are calculated separately.
Held-Away Assets
We can also provide investment recommendations for workplace retirement plans and other accounts that are not directly managed by us. Guidance on these accounts is provided as part of financial planning rather than through an asset-based investment management fee.