what we charge
Transparency is our watchword. Whatever level of service you need, you’ll know what the cost is up front.
01
Financial Planning
The cost to create and maintain your financial plan depends on the level of complexity you need and the scope of ongoing advice as your circumstances and goals evolve. In every case, however, the fee is flat, transparent, and agreed upon at the onset. You’ll pay an annual flat fee for a 12-month agreement that you are able to renew yearly or cancel. This includes your initial analysis, automated meetings to keep you on track, access to our entire team and their diverse backgrounds, skill sets and specialties, maintaining your plan, and any advice you need. The minimum annual fee for Financial Planning starts at $5,000 for new clients.
02
Investments
5280 Associates offers a number of options available to you depending on your individual situation. To manage your investments, 5280 Associates charges a percentage of the assets under its care. As your account balance grows, the percentage you pay decreases. Your fee covers advice on account selection based on your risk tolerance, establishing the account, ongoing management, and review meetings. For new clients not enrolled in our Financial Planning Program, the minimum investment amount is $1 million per household. There is not an assets under management minimum for Financial Planning clients.
| BEDROCK Foundational Portfolios |
ELEVATION Specialty Portfolios (Additional manager fee applies) |
|||
| Managed allocations of low cost, diversified funds from multiple companies | Money manager portfolios with specialty objectives | |||
| WRAP* | NON-WRAP* | WRAP* | NON-WRAP* | |
| < $250,000 | 1.20% | 1.15% | 1.55% | 1.50% |
| $250,000 | 1.00% | 0.95% | 1.35% | 1.30% |
| $500,000 | 0.95% | 0.90% | 1.25% | 1.20% |
| $1,000,000 | 0.85% | 0.80% | 1.10% | 1.05% |
| $3,000,000 | 0.75% | 0.70% | 1.00% | 0.95% |
| $5,000,000 | 0.70% | 0.65% | 0.85% | 0.80% |
| $10,000,000 + | 0.65% | 0.60% | 0.60% | 0.55% |
*In a wrap account, you pay a single fee that covers both investment management advice provided and the execution of transactions by our custodian. In a non-wrap account, you will pay for our investment advice separately from the cost of individual transactions paid to our custodian.
03
insurance
Insurance premiums are based on a variety of factors, including age and health indicators. The insurer compensates advisors for each contract, so clients do not pay any additional fees directly to their advisor. During Financial Planning, we may recommend you implement protection products. We can help you establish these products.
| LIFE INSURANCE | DISABILITY INCOME INSURANCE AND LONG-TERM CARE INSURANCE | FIXED AND VARIABLE ANNUITIES | |
| Initial Guidance | Coverage Selection Application Underwriting | Coverage Selection Application Underwriting |
Product Selection Income Strategies |
| Account Maintenance and Product Service | Claims Beneficiary Changes Billing Changes Withdrawals |
Claims Billing Changes |
Allocation Changes Beneficiary Changes Deposits Withdrawals |
| Annual Account Review | As Needed | As Needed | As Needed |
| Fees | Commission-Based Costs (Fees are incorporated into client premium payment) |
Commission-Based Costs (Fees are incorporated into client premium payment) |
Commission-Based Costs (Fees are incorporated into client premium payment) |
*Fees are incorporated into client premium payment. Review the product contract or prospectus; or, if you have a brokerage or managed account, see the fee schedule you received when you established the account for specific information about fees and expenses. For detailed information about fees and charges for investment advisory services, review the applicable managed account ADV brochure.