What Fee-Only Really Means

Fee-only means the only compensation I receive comes directly from you — the client. There are no commissions on product sales, no revenue-sharing arrangements with fund companies, and no hidden charges buried in the fine print. This structure eliminates the conflicts of interest that plague much of the financial industry and ensures my advice is always in your best interest. When your portfolio grows, that's good for both of us.

Fee Schedule

Simple, competitive pricing with no surprises

Accounts Under $1,000,000
1.25%
annual advisory fee
Reduced Rate
Accounts $1,000,000+
1.00%
annual advisory fee

Fees are calculated on assets under management and billed quarterly in advance. Comprehensive financial planning is included at no additional cost.

What's Included

Everything you need for a complete financial strategy — all under one fee

Personalized Investment Management

A portfolio built around your goals, risk tolerance, and time horizon — not a one-size-fits-all model.

Comprehensive Financial Planning

A written financial plan that addresses your complete financial picture — from cash flow to estate planning.

Retirement Income Planning

Strategies to turn your savings into reliable income streams so you can retire with confidence.

Tax-Efficient Strategies

Roth conversions, tax-loss harvesting, and withdrawal ordering designed to help keep more of your money.

Social Security & Medicare Guidance

Analysis of claiming strategies and enrollment decisions to help you maximize your benefits.

Estate Planning Coordination

Working alongside your attorney to ensure beneficiary designations, titling, and estate documents are aligned.

Ongoing Monitoring & Rebalancing

Continuous portfolio oversight with rebalancing to keep your investments aligned with your plan.

Regular Review Meetings

Scheduled reviews to discuss your progress, adjust your plan, and address any questions or life changes.

What We Don't Charge For

Many advisory firms nickel-and-dime clients with extra fees. Here's what you'll never see on a bill from Summit.

No account opening fees
No transfer fees
No financial plan fees
No hourly fees for meetings or phone calls

How It Compares

The industry average advisory fee is approximately 1% for investment management alone — and many advisors charge separately for financial planning, typically $1,500 to $5,000 or more. At Summit, comprehensive financial planning is included with investment management at no extra cost. You get a complete financial partnership under one straightforward fee.

Ready to Get Started?

Schedule a no-obligation introductory call to see if we're a good fit.

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