Services & Fees
Simple, Transparent, and Fair
You deserve to know what your advisor charges and why. Our fee structure is published here because we believe clarity about cost is a prerequisite for trust.
Planning and Investing, Together
Our clients get the most value when financial planning and investment management work together. A financial plan without portfolio implementation is incomplete, and a portfolio without a plan behind it is just guessing. That is why every client relationship includes both.
For most investment management clients, the planning fee is waived entirely. The details are outlined below.
Financial Planning Fee
Simple, transparent, and fair. What you pay for planning comes down to how we work together on your investments.
Comprehensive Planning
An annually updated financial plan covering retirement, cash flow, asset allocation, education funding, estate plan review, tax efficiency guidance, and risk analysis, including a review of your insurance policies. We meet regularly throughout the year to put your plan in motion and keep it current as your life evolves.
Planning Only
Designed for clients who keep the majority of their investable assets, aside from employer plans we cannot access, managed elsewhere. Building and maintaining a plan around outside assets takes extra care, so these relationships begin at $5,000 annually, are priced individually, and are taken on when we are confident it will be a strong and mutually rewarding fit.
Planning Fee Waived
When your investments are managed with us, your planning fee is reduced as your assets grow and waived entirely once managed assets reach $500k. Most of the households we manage pay nothing at all for planning.
How the waiver works. When your investments are managed with us, planning fees are reduced starting at $250k in managed assets and waived entirely at $500k or more. Employer retirement plans we are unable to access do not count toward these thresholds and are not treated as assets held away. Certain limitations and exclusions may apply at the discretion of Bergenn Financial Group.
Asset Management Fees
Standard Model Portfolios
Broadly diversified portfolios built using ETFs, stocks, bonds, and other securities. Each portfolio is aligned with your risk tolerance, time horizon, and tax situation, with occasional tactical adjustments when conditions warrant. We can also tailor portfolios around existing holdings, concentrated positions, or other individual circumstances.
Assets Fee
Up to $1MM 1.000%
$1MM - $2MM 0.900%
$2MM - $3MM 0.800%
$3MM - $5MM 0.700%
$5MM - $10MM 0.600%
$10MM - $20MM 0.500%
Above $20MM 0.400%
Macro Growth Portfolios
These portfolios are built around the macroeconomic, fiscal, and geopolitical analysis described in our investment approach. Rather than tracking a traditional index, they are actively positioned around structural trends and adjusted as conditions evolve. This approach involves more frequent trading and may include alternative asset classes. It is designed for clients who are comfortable with higher volatility in pursuit of higher potential returns.
Assets Fee
Up to $1MM 1.500%
$1MM - $2MM 1.350%
$2MM - $3MM 1.200%
$3MM - $5MM 1.050%
$5MM - $10MM 0.900%
$10MM - $20MM 0.750%
Above $20MM 0.600%
Preservation Only Accounts
For clients whose primary goal is protecting their capital, these portfolios aim to minimize price fluctuation, keep pace with inflation, and outperform a money market or high-yield savings account. They are monitored on an ongoing basis but not traded frequently.
Assets Fee
Up to $5MM 0.500%
Above $5MM 0.400%
Questions About Fees?
We are happy to walk through our fee structure in detail during a complimentary consultation. No surprises, no fine print.