Proposal Process and Pricing

First, we determine if there’s a good fit on both sides.

Discovery Meeting

Maybe you have a specific question; maybe you have many questions; maybe you don’t know where to start. This is where you start. You tell us a little about you and we tell you a little about us in a half-hour video chat or phone call.
Net Worth Illustration & Proposal

How can we help you, exactly? We sync your account data with our financial planning software and review each account to discuss where we may want to focus our time together, and we get crisp on your personal financial goals. After this meeting, we send you a custom proposal.
Discussion & Decision

At this point, maybe you’re ready to go — or maybe you have some small questions, or maybe some big questions. Let’s exchange some emails or schedule phone call or Zoom, so that you feel confident in your decision either way.

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Complimentary

We don’t charge for proposals, You’ll never be billed anything by surprise or without knowing.

Calm

We’ll never push you to make a decision when you’re not confident.

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An Ongoing Relationship

We get to know you well. So when that new job does come through, or you close on the home we initially discussed when a down payment seemed a ways away, or you find out you’re expecting a new member of the family, we hope we earn the right to be one of your first emails to share the news so that we can update your plan and help you take your next steps confidently.

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Pricing

Financial Planning Fees

A minimum quarterly fee applies for our financial planning services, and that fee varies by the size and complexity of household from $1,175 to $1,925.

If the fees we bill on your investments are in excess of that minimum, then you’re all good — there are no additional charges. If the fees we’ve billed are below the minimum, we’ll invoice you for the difference.

    Investment Management Fees
    
            Assets Managed by RightWise
            Annual Fee
        
            All assets below $1,000,000
            1.00%
        
            From $1,000,000 to $2,500,000
            0.75%
        
            From $2,500,000 to $5,000,000
            0.50%
        
            All assets above $5,000,000
            0.35%

Understand Our Fee

Our fee schedule is designed so that we’re not double-billing our households. We don’t want to charge clients cash for financial planning if what we receive from investment accounts is enough to cover our minimums for service.

What assets would our firm manage? We commonly manage IRAs, Solo 401(k)s and taxable brokerage accounts, and we charge those accounts directly for our services. At the end of the quarter, we total how much we charged on these accounts and compare it to our minimum fee for the household. (We help clients with other accounts, such as 401(k), HSA, 529, etc., but since we don’t manage those assets, we don’t deduct any fees from them.)

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How many adults are in this household? Our fee is higher for two-client households than for one-person households.

Would this household benefit from planning for a small business or for stock compensation, such as RSUs or ESPP? Our fee is higher for complex households.

Our minimum quarterly fee for financial planning for a one-client core household is $1,175.

Assuming our firm managed $0 in assets, an additional $1,175 would be billed in cash at the end of each quarter to meet our minimum fee. This quarterly cash charge would decrease or be eliminated as our firm managed greater assets for this household.

We provide this calculator as education and illustration for our fee structure mechanic. This calculator is not a proposal or promise of services, and does not replace a personalized proposal prepared by a RightWise advisor. Pricing varies by household size and complexity. This calculator illustrates those dynamics but does not promise certain pricing. This calculator only illustrates fees associated with ongoing financial planning and investment management, and doesn’t reflect fees charged for onboarding or for optional tax services, or other fees associated with investing, such as fund fees. Please reference our firm’s Form ADV Part 2 brochure for definitive description of our firm’s fees.

We’re happy to answer any questions you may have

Learn more with a calm, complimentary discovery call with one of our advisors

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