Fee Detail
Financial Planning
Since financial advising is individually tailored, costs depend on you and your planning needs. Typically, there is no charge for a portion of the first introductory meeting. After an initial review of your circumstances, a fee range for your advising will be provided. Typical fee ranges are:
| Financial Blueprint | $3,200 - $4,500 | |
| Portfolio Evaluation | $2,200 - $3,500 | |
| with Socially Responsible Analysis | $2,500 - $3,000 | |
| with Prudent Investor Act Analysis | $3,000 - $5,500 | |
| Hourly Conference Time | $200 - $300 per hour | |
Within four months after the completion of a financial blueprint, if you decide to become a portfolio management client, a portion of your advisory fees will be absorbed into your first year's portfolio management fee.
Portfolio Management
Silver Oak will manage your investments on a non-discretionary basis for an annual fee based on the size of your portfolio. Here is a comparison of our fees with other alternatives:
Average Annual Costs |
Silver Oak |
No-Load Mutual Funds |
Wrap Account |
C-Share Mutual Funds |
| Mutual Fund Admin Expense | 0.20%2 |
1.23%2 |
---1 |
2.17%4 |
| Mutual Fund Brokerage Costs | 0.08%2 |
0.92%2 |
---1 |
0.92%2 |
| Transaction Costs (Schwab) | 0.12%3 |
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| Investment Advisor Fee | 0.95% |
--- |
2.50%1 |
--- |
| Total | 1.35% |
2.15% |
2.50% |
3.09% |
What Silver Oak Advisory Group provides for .95%
- Help in designing an appropriate portfolio allocation for your investment time horizon and risk tolerance and maintaining the design through proper rebalancing;
- Ongoing fee-only financial advising services to integrate the investment strategy with overall financial goals and objectives;
- Keeps current with changes in investments, tax laws, retirement plans, and other related planning areas that affect you;
- Continuing education and coaching to help you in maintaining a successful long term approach to investing, and answers to your investment and financial questions;
- Selection of and access to low cost institutional index and asset class funds in all major asset classes not otherwise available to individuals;
- Quarterly and annual performance reporting and monthly monitoring of portfolio;
- Evaluation of how new investment and financial research applies to you;
- Record, verify, and track investment transactions for tax purposes;
- Execution of strategies through a disciplined approach over long investment time horizons;
- Access to nationally recognized experts in specialized areas of investment and financial advising.
- Varies from 1.50% to 3.00%, and brokerage costs may be on top or included.
- Assumes 60% equities, 40% bonds; broadly diversified. Source: Morningstar fund averages. Silver Oak uses index and asset class mutual funds.
- Estimate of first year costs; costs thereafter are usually lower.
- Based on average C-Share statistics for a multi-cap growth fund. Additional sales charges may apply. Source: American Funds