We operate under a transparent Flat Fee Financial Planning Model to ensure clarity and simplicity for our clients. Every new relationship begins with a 4-month financial planning engagement, which allows us to dive deep into your goals and create a comprehensive, personalized plan. Our flat fee structure is as follows:

URS Basic Retirement Roadmap: $8,000
URS Premium Retirement Roadmap: $10,000

We offer two pathways depending on your needs:

1) Wealth Management Path: If you'd like us to manage your investments in addition to creating your financial plan, we’ll waive more than half of the planning fee, as you’ll be engaging in a wealth management relationship. For example, if you choose the $10,000 URS Premium Retirement Roadmap, you’ll pay $4,000 up-front. The remaining $6,000 will be waived and replaced by our wealth management fee, which is explained in more detail below. Our minimum is $2,000,000. 

For example, Jim and Kelly have $8,000,000 in savings and want us to manage their investments. They opt for the URS Premium Retirement Roadmap, so they will pay $4,000 upon signing their contract. Their investments will then be subject to our management fee through Charles Schwab listed below.

2) Self-Managed Investments Path: For clients who prefer to manage their own investments but still need expert guidance in creating a financial plan, you will pay the full planning fee up-front—either $8,000 for the URS Basic Retirement Roadmap or $10,000 for the URS Premium Retirement Roadmap. In return, you’ll receive a comprehensive, proprietary financial planning experience. As your fiduciary throughout the 4-month engagement, we’ll guide you through two formal meetings and remain available for unlimited phone and email support.

For example, Bill wants to manage his own investments, but wants the URS Basic Retirement Roadmap. He will pay $8,000 upon signing his contract.

To gain a thorough understanding of what’s included in our financial planning process and the deliverables you can expect, we encourage you to explore both the Premium and Basic Retirement Roadmap pages.

Please note that financial planning clients are NOT required to engage our firm in a wealth management relationship. However, if you’d like to extend your relationship beyond that 4-month period, you’ll need to engage in a wealth management relationship. Click here for a better understanding of our wealth management experience. 

We custody through Charles Schwab, and below is our blended fee schedule paid quarterly in arrears. The asset management fee is calculated by applying different rates to different portions of the portfolio. For example, a client with $2,500,000 will pay .95% on the first $1,000,000 and .8% on the remaining $1,500,000, bringing their annual management fee to .86%. 

Wealth Management Costs

• Assets from $0-$1,000,000 are billed at an annual rate of 0.95%
• Assets from $1,000,000.01-$3,000,000 are billed at an annual rate of 0.80%
• Assets from $3,000,000.01-$10,000,000 are billed at an annual rate of 0.70%
• Assets above $10,000,000 are billed at an annual rate of 0.50%
• Assets above $20,000,000 are billed at an annual rate of 0.40%
• Assets above $50,000,000 are billed at an annual rate of 0.30%
  

*Please note that we only work with United States citizens residing in the United States.