Services & Fees

Simple, Transparent, and Fair

We believe you should always understand what you’re paying for and the value you receive in return. That’s why we make our fee structure clear and readily available. Transparency around fees is an important part of building a relationship based on trust.

Planning and Investing, Together

We believe financial planning and investment management are most effective when they work hand in hand. A thoughtful financial plan provides direction, while a well-managed investment portfolio helps put that plan into action. One without the other can leave important pieces of your financial picture disconnected.

That’s why our client relationships bring planning and investment management together as part of a coordinated approach. For most investment management clients, the financial planning fee is waived entirely. Additional details are provided below.

Financial Planning Fees

Our approach to Costs: Clear, Transparent, and Fair

First-Year Financial Planning

$3,600

Your first year begins with the development of a comprehensive financial plan designed around your goals, priorities, and financial circumstances. The planning process may include retirement and cash flow planning, investment and asset allocation strategy, education planning, estate plan review, tax-efficient planning strategies, and insurance and risk management.

Throughout the year, we meet regularly to review your progress, address changes, and keep your financial plan aligned with your goals.

The fee covers comprehensive financial planning and investment strategy. For clients who choose to have their assets professionally managed through our firm, ongoing portfolio management and trade execution are provided as part of the investment management relationship.

Ongoing Financial Planning

$5,000

After your first year, our ongoing planning relationship is designed to keep your financial strategy current as your life, goals, and circumstances evolve. This includes regular review meetings, updated financial projections, and continued guidance across the key areas of your financial life.

We continually evaluate your plan and make adjustments as needed to help ensure your financial decisions remain coordinated and aligned with your long-term objectives.
For clients who prefer comprehensive financial planning without investment management through our firm, customized fee arrangements are also available.

Financial Planning Fee Waiver*

Reduced or $0 planning fees when asset thresholds are met

When you choose to have your investments managed through our firm, your financial planning fee may be reduced or waived based on the amount of assets we manage for you.

$250,000+ in Managed Assets
$1,800 first-year planning fee
$2,500 annual ongoing planning fee

$500,000+ in Managed Assets
No separate first-year or ongoing financial planning fee

This approach allows us to integrate your financial planning and investment management into one coordinated relationship while reducing or eliminating separate planning fees as your managed assets grow.

Certain limitations and exclusions may apply at the discretion of FGS Wealth Management. Financial Planning & Consulting Services are completed through a separate agreement from the Investment Management Services agreement. Please refer to the firm's ADV Part 2A and the Client Agreement for information regarding the platform, strategist, or any related fees that may apply. Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Investment Management Fees & Services

Investment Management

We offer investment management services for our clients. Our investment management services include, but are not limited to:

Investment manager selection
Portfolio manager ongoing due diligence
Portfolio rebalancing
Tax loss harvesting
Required minimum distributions management
Roth conversion strategies
Tax-sensitive investment strategies

As part of a comprehensive wealth management approach, Financial Planning services may also include:

Risk and expense management
Cash flow management
Charitable contributions management
CPA and estate planning attorney coordination to ensure careful tax and estate investment planning**

*Financial Planning services may be discounted or complimentary based on AUM

Assets under management fee schedule reflective of advisory services offered through My Advice Architect.

Please refer to the firm's ADV Part 2A and the client's agreement for additional platform, strategist, or related fees that may apply.

**Neither advisors nor Cetera provide tax or legal advice. Clients should consult a tax and/or legal professional for advice regarding their specific situation.

Insurance Services

After we complete a comprehensive insurance needs analysis, we'll provide tailored proposals that align with your goals and prioritize your best interests. Costs will vary and the company, and the available products may include:

Annuities
Life Insurance
Disability Insurance
Long Term Care Insurance

Technology

AdviceWorks (client portal)
eMoney & Money Guide Pro (financial planning analysis)
Holistiplan (tax planning and analysis)
ValuCompass (business evaluation)

Questions About Our Fees?

We’re happy to explain our fee structure and answer any questions during a complimentary consultation. Our goal is simple: to make sure you understand what you pay, what you receive, and how we work together—clearly and upfront.

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