Pricing

At Think Different Wealth Advisors, we have a client-first mentality. We believe clients deserve transparency and simple, easy-to-understand pricing. The idea that prospective clients must first attend a meeting before they can find out how much an advisor charges seems silly to us. We don’t hide our fees. If you spend some time to get to know us, we believe you’ll find that we earn every dollar we charge.

Clients may choose to hire our services for comprehensive financial planning, for investment management, or for both.

Investment Management

We offer both active and passive management strategies. Our active strategy involves the selection of individual securities using fundamental analysis. We believe our deep research process and contrarian approach will outperform a broad passive index such as the S&P 500.  Learn More. 

Our passive strategy uses low-cost index funds and exchange-traded funds (ETFs) that track the performance of various indices. Clients may choose to use our active or passive strategies. 

Our investment management fee is paid quarterly based on assets under management (AUM) at the end of each quarter. Our fee is calculated according to the following table and will vary depending on whether the active or passive option is selected. For example, if active management is elected, the first million under management will be charged an annual fee rate of 1.00%. The next million dollars will be charged a reduced rate of 0.95% and so on. The actual quarterly fee rate will be the annual fee rate divided by 4.

Assets Under ManagementAnnual Fee (Active)Annual Fee (Passive)
$0 - $1,000,0001.00%0.70%
$1,000,001 - $2,000,0000.95%0.65%
$2,000,001 - $3,000,0000.90%0.60%
$3,000,001 and above0.80%0.50%

We require minimum assets under management of $200,000 for investment management-only clients. For our financial planning clients who wish to use our investment management services, this minimum is waived. 

Comprehensive Financial Planning

The standard fee for financial planning for individuals is $4,000 per year, with the option to pay via quarterly payments of $1,000 or monthly payments of $333. The standard fee for couples is $5,000 per year, with the option to pay via quarterly payments of $1,250 or monthly payments of $417. 

At Think Different Wealth, we believe good financial planning requires an ongoing relationship between the advisor and the client. Thus, we do not perform one-time financial planning or hourly work.

For new clients, there is also a one-time upfront payment of $2,000 to cover the costs of initial onboarding and plan creation.  

Individual

$ 4,000
Per Year
  • Budgeting & Debt Management
  • Retirement Planning
  • Workplace Benefits
  • Insurance & Estate Planning
  • Tax Planning

Couple

$ 5,000
Per Year
  • Budgeting & Debt Management
  • Retirement Planning
  • Workplace Benefits
  • Insurance & Estate Planning
  • Tax Planning

For clients whose needs are more complex (such as business owners or clients who own rental properties), we add an incremental fee for the additional complexity and increased workload. 

Financial Planning Fee Discount

For clients whose assets under management exceed certain thresholds, their financial planning fee will be discounted. For example, a client with $500,000 to $749,999 in assets under management will have their financial planning fees discounted by 50% and a client with more than a $1 million in assets under management will have their financial planning fees effectively waived (discounted 100%). 

See table below for discounted planning fees for a couple. Similar discount percentages would apply for single individual plans as well. Once a client reaches a certain discount tier, that discount is maintained even if the account later drops below the discount threshold due to market declines. (Note this does not apply if the account balance drops below the discount threshold due to client withdraws).   

Assets Under ManagementDiscount %Financial Planning Fee for Couple
$250,000 - $499,99925%$3,750
$500,000 - $749,99950%$2,500
$750,000 - $999,99975%$1,250
$1,000,000 and above100%Included for Free
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Learn about what we offer

Read about the financial planning topics we cover and our unique investment philosophy and research process