Fees

KAM receives compensation from just one source — you the client.  We do not accept commissions on financial assets that we buy or sell for your investment portfolio, nor do we receive compensation from tax, legal, or insurance professionals for referring you to their services.  Our fee-for-service compensation policy means you don’t have to worry about potential conflicts of interest.  Here is a summary of our customary fee structure.


Comprehensive Financial Planning


Developing a comprehensive financial plan will usually require from 16 to 52 weeks to prepare and will range in price from $1,000 to $10,000.  Your fee will be based on the projected time required to develop your plan and will depend on your needs and the complexity of your financial circumstances.

KAM also offers more limited financial planning services for individuals who want professional analysis of a particular financial project or financial opportunity such as purchasing or selling a business, planning for employer stock options, one-time set up of an investment portfolio.
 
Clients pay KAM for financial planning services according to one or more of the following fee arrangements:

  • Hourly Fee:  appropriate for financial planning projects for which the scope of work cannot be clearly defined by KAM or agreed to by the client.
     
  • Fixed-Price Fee:  appropriate for financial planning projects for which the scope of work can be clearly defined by KAM and agreed to by the client.

  • Annual Retainer Fee:  appropriate for clients who anticipate a need for regular, ongoing financial planning services, in addition to preparation of an initial comprehensive financial plan. 

Investment Portfolio Management


KAM’s portfolio management service generally includes:

  • Specification of a strategic asset allocation policy appropriate for the client’s risk profile

  • Creation of an Investment Policy Statement for each client

  • Selection of particular financial securities or other assets to comprise the client’s investment portfolio

  • Transfer of existing assets and placement of buy and sell trades to establish the client’s investment portfolio

  • Regular monitoring and rebalancing of the client's investment portfolio

Clients pay portfolio management fees quarterly, based on the value of assets we manage for you, according to the annual percentages listed below:

  • 0.75% on the first $100,000
  • 0.70 % on the next $150,000
  • 0.65% on the next $250,000
  • 0.60% on the next $500,000
  • 0.55% on the next $1,000,000
  • 0.50% on the next $2,000,000
  • 0.25% on the amount greater than $4,000,000

KAM generally requires a minimum initial portfolio value of $1,000.  Click here to learn more about our services.