Our fees are based on a client relationship, not an account relationship. By that, we mean we charge an initial planning fee and then an annual retainer for all areas of your planning — not just in investment management — but also taxes, estate planning, risk management, retirement planning, education funding, etc. It is a high level of planning not matched by advisors who focus primarily on investments at a brokerage firm. Any financial services are paid for separately, which we believe is in the best interest of the client. All fees are disclosed, discussed and understood in advance of movement.