Our Fee Structure

Our fee is based on the investable assets we manage. This fee covers ongoing comprehensive financial planning and investment advisory services. This arrangement aligns our incentives with those of our clients—we are compensated to achieve our clients’ financial goals and objectives, not to generate transactions or commissions.

Our fees are calculated as a percentage of investable assets as follows:

Asset Under Management Annual Fee
Up to $500,000 1.20%
$500,001 to $999,999 0.90%
$1,000,000 to $1,999,999 0.70%
Over $2,000,000 0.50%

Our annual fee is prorated and paid quarterly, in advance, based upon the market value of the assets on the last day of the quarter. Our minimum fee is generally $625 per quarter.

Waterford may also charge an initial financial planning fee that varies based on the time and complexity involved in preparing a financial plan.