Our Fee Schedule
Most advisory firms will not publish what they charge. We will. Every WealthEQ engagement uses a flat annual fee calculated on the value of your account at the inception of the relationship — it does not rise because the market did, and for Personal CFO clients it is designed to fall over time.
Personal CFO — $1M Minimum
A flat annual fee, stated as a percentage of your starting account value. The applicable percentage is determined by which breakpoint your starting value falls into and is applied to the entire account. Wealth planning is included at no additional cost.
| Asset-Based Breakpoint | Fee Percentage of Starting Value |
|---|---|
| Less than or equal to $5 million | 0.80% |
| Greater than $5 million but less than or equal to $10 million | 0.75% |
| Greater than $10 million but less than or equal to $20 million | 0.70% |
| Greater than $20 million | Custom |
| Minimum starting annual fee: $8,000. The fee adjusts for inflation after year five. Billing is monthly (1/12 of the annual fee) or quarterly (1/4), at the client’s option, at the end of each period. | |
The fee is calculated by multiplying the applicable percentage by the value of the account at the inception of the relationship. Subsequent market appreciation does not increase the fee.
| Milestone | Reduction | Resulting Rate | Fee on $1,000,000 |
|---|---|---|---|
| Starting fee | — | 0.80% | $8,000 |
| Complete a wealth plan within five years | −0.10% (one time) | 0.70% | $7,000 |
| Stick to the investment plan for five years | −0.20% (one time) | 0.50% | $5,000 |
| Having a plan and staying invested are critical toward meeting long-term goals. Both reductions are structural, disclosed in advance, and applied one time. Figures shown illustrate a $1,000,000 starting value; the $8,000 minimum applies to the starting annual fee. | |||
Outsourced CIO — $25M Minimum
A flat annual fee that steps down in each of the first three years. The applicable percentage is set by the starting account value and applied to the entire account.
| Asset-Based Breakpoint | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Less than or equal to $50 million | 0.500% | 0.450% | 0.400% |
| Greater than $50 million but less than or equal to $75 million | 0.400% | 0.350% | 0.300% |
| Greater than $75 million but less than or equal to $150 million | 0.300% | 0.250% | 0.200% |
| Greater than $150 million but less than or equal to $500 million | 0.250% | 0.200% | 0.175% |
| Greater than $500 million but less than or equal to $1 billion | 0.200% | 0.175% | 0.150% |
| Greater than $1 billion | Custom | Custom | Custom |
| Minimum annual starting fee: $125,000, which corresponds to a $25 million minimum account at the entry rate. The fee adjusts for inflation after year three. Billing is monthly (1/12 of the annual fee) or quarterly (1/4), at the client’s option, at the end of each period. Up to $5,000 is rebated annually toward the cost of an all-advisor meeting. | |||
The fee is calculated by multiplying the applicable percentage for years one, two, and three by the value of the account at the inception of the relationship.
Captive Insurance — $1M Minimum
A flat annual fee set by the starting portfolio value. The rate is fixed at inception and does not change. The fee does not adjust with investment returns, but it is recalculated when premium is added to the portfolio. There is no inflation adjustment — premium additions already grow the fee in dollar terms over time.
| Asset-Based Breakpoint | Fee Percentage of Starting Value |
|---|---|
| Less than or equal to $5 million | 0.70% |
| Greater than $5 million but less than or equal to $10 million | 0.55% |
| Greater than $10 million but less than or equal to $20 million | 0.40% |
| Greater than $20 million | Custom |
| Minimum starting annual fee: $7,000. The rate is set at the inception of the relationship and does not change. There is no annual inflation adjustment on captive fees. Billing is monthly (1/12 of the annual fee) or quarterly (1/4), at the client’s option, at the end of each period. | |
Why Investment Growth Is Excluded
Consider a $15 million captive portfolio charged 0.40%. Over the year it earns 10% — $1.5 million of investment growth — and receives a $1 million premium addition. The year-two fee is recalculated on $16 million: the original $15 million plus the $1 million of premium. The $1.5 million of investment growth is excluded, so the fee is 0.40% × $16 million, not 0.40% × $16.5 million.
Fees that increase with investment growth incentivize risk-taking behavior and increase fee drag on the portfolio. That is why we do not include investment returns in our fee calculations.
What Triggers a Recalculation
The fee is set from the value of your account at the inception of the relationship and does not move with markets. It is recalculated in one circumstance: when the assets we manage or advise on change materially for a reason other than investment performance.
| Change | Recalculated? |
|---|---|
| Market gains or losses, however large | No |
| Routine saving and dollar-cost averaging | No |
| Routine distributions in retirement | No |
| Portfolio transferred in from another manager | Yes |
| Proceeds from the sale of a business or property | Yes |
| Inheritance or other windfall | Yes |
| Accounts added that were not previously managed or advised | Yes |
| Permanent withdrawal of a substantial portion of the portfolio | Yes — downward |
| The threshold is additions or permanent withdrawals that in aggregate exceed 10% of the current fee base over any rolling twelve-month period. It applies in both directions and whether or not the assets were disclosed before the relationship began. | |
How a Recalculation Is Actually Calculated
When the threshold is met, two things happen. The fee base resets to the current market value, and the percentage is re-determined from the breakpoints above. Any reductions you have already earned are then subtracted from that new percentage — they are never forfeited, and their clocks do not restart.
Your fee in dollars will go up when you add assets. What the breakpoint structure changes is the rate you pay on the whole relationship, including the money that was already there.
| Stage | Fee Base | Rate | Annual Fee |
|---|---|---|---|
| Year one | $1,000,000 | 0.80% | $8,000 |
| Wealth plan completed (−0.10%) | $1,000,000 | 0.70% | $7,000 |
| Five years invested (−0.20%) | $1,000,000 | 0.50% | $5,000 |
| Year six — $10,000,000 added | $11,000,000 | 0.40% | $44,000 |
| $11,000,000 falls in the “over $10M to $20M” breakpoint, so the re-determined rate is 0.70%. The two earned reductions totaling 0.30% are subtracted, giving 0.40%. | |||
For comparison: the same $11,000,000 at a 1.00% assets-under-management fee would cost $110,000 per year.
Why the Whole Balance Re-Rates
A single percentage always applies to the entire fee base, so crossing a breakpoint re-prices the money that was already there, not just the new money. On an $11,000,000 relationship at the undiscounted 0.70%, that is $77,000 — against $88,000 if the additional assets were simply billed at the original 0.80%, or $84,500 under a conventional marginal-tier schedule.
Multi-Family Office — By Invitation
Multi-family office engagements are delivered through 2SIX Partners, a separate legal entity. Pricing consists of a fixed multi-family office retainer plus modular service fees, negotiated based on the complexity of the family's structure and the services selected.
What We Do Not Charge
- No planning fees. Wealth planning is included in the Personal CFO fee.
- No commissions. We sell no products and receive no commission from any provider.
- No revenue sharing. We accept no payment from funds, custodians, or platforms.
- No performance fees. Our compensation does not vary with investment results.
Third-party costs — custodial fees, fund expense ratios, and any outside manager fees — are charged by those parties, disclosed to you, and actively minimized as part of the mandate.
Verify Independently
Our complete fee schedule is disclosed in Form ADV Part 2A. You can review it here or through the SEC’s Investment Adviser Public Disclosure system at adviserinfo.sec.gov.
Fee Questions
How much does WealthEQ charge?
Personal CFO fees are 0.80% of starting account value for accounts up to $5 million, 0.75% above $5 million, and 0.70% above $10 million, with a minimum starting annual fee of $8,000. Outsourced CIO fees begin at 0.500% in year one for accounts up to $50 million, stepping down to 0.450% and then 0.400%, with a $25 million account minimum and a minimum annual starting fee of $125,000. Captive insurance portfolios are charged 0.70% up to $5 million, 0.55% above $5 million, and 0.40% above $10 million, with a minimum starting annual fee of $7,000.
Does the fee increase when my portfolio grows?
No. The fee is calculated by multiplying the applicable percentage by the value of the account at the inception of the relationship, so market appreciation does not increase it. It is recalculated only if the assets we manage or advise on change materially for a reason other than performance — additions or permanent withdrawals exceeding 10% of the current fee base over a rolling twelve months. Personal CFO fees adjust for inflation after year five and Outsourced CIO fees after year three. Captive fees are recalculated when premium is added to the portfolio but not for investment returns.
How can the Personal CFO fee go down?
Two one-time reductions apply. Completing a wealth plan within the first five years reduces the fee by 0.10%, and sticking to the investment plan for five years reduces it by a further 0.20%. Together those take a 0.80% starting rate to 0.50%.
What happens if I add assets after we start?
If the addition is material — more than 10% of your current fee base, aggregated over a rolling twelve-month period — the fee base resets to the new market value and the percentage is re-determined from the published breakpoints. Any reductions you have already earned are then subtracted from that new percentage, and their clocks do not restart. Your fee in dollars will increase; the rate applied to the whole relationship generally falls. A client who started at $1 million, earned both reductions, and added $10 million in year six would pay 0.40% on $11 million, or $44,000. Routine saving and dollar-cost averaging fall below the threshold and do not change the fee. The same threshold applies to permanent withdrawals, which reduce the fee.
How am I billed?
Clients choose monthly billing at one-twelfth of the annual fee or quarterly billing at one-quarter of the annual fee, charged at the end of each period.
Are the breakpoints tiered, or does one rate apply to the whole account?
One rate applies to the entire account. The breakpoint determines which percentage is used, and that percentage is multiplied by the full starting account value rather than applied in marginal layers.
Are there any other fees?
WealthEQ receives no commissions, no revenue sharing, and no compensation from product providers. Custodians, funds, and third-party managers charge their own fees, which are disclosed and which we work to minimize.
Is financial planning charged separately?
No. Wealth planning is included in the Personal CFO fee at no additional cost.
Where can I verify these fees?
WealthEQ's fee schedule is disclosed in Form ADV Part 2A, which is available on this site and through the SEC's Investment Adviser Public Disclosure system at adviserinfo.sec.gov.