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In between goals is a thing called life that has to be lived and enjoyed.
-Sid Caesar

Fees for Financial Planning and Investment Management

Lazarus Financial Planning is a fee-only financial planning firm, which means I am paid only by you.

  • I do not sell products -- such as: investments, annuities, or mutual funds -- to subsidize the cost of planning.
  • I do not accept commissions or referral fees based on the advice I provide you.

There are many ways financial advisors are paid, but many don’t provide a full range of financial planning services to earn their fee. Everything is integrated in this service at Lazarus Financial Planning -- initial financial planning, implementation assistance, ongoing investment management, and ongoing financial planning -- and included in a single, flat, predictable, annual fee.  

Are you currently getting the same value?

Comparison of Services and FeesLazarus Financial PlanningAsset-based AdvisorCommissioned Advisor

Form of compensation

Flat annual fee    
(based on net assets)

Percentage of portfolio
(typically 1%)

Commission
(varies by product)

Minimum investable assets

None

?

?

Puts your interests  
ahead of our own

Always

It depends

No

Cohesive overall strategy

 ??

Goals setting and monitoring

 ??

Net worth review

 ??

Cash flow management

 ??

Assistance choosing or refinancing a mortgage

 ??

Assistance making decisions about financing  
a major purchase or starting a business

 ??

Proactive tax planning and minimization

 ??

Review and selection of employee benefits

 ??

Review and selection of insurance policies

 ??

Education planning

 ??

Retirement planning

 ??

Philanthropic planning

 ??

Estate planning

 ??

Portfolio design, implementation and monitoring

 ??

Selection of specific investments for every account

 ??

Socially responsible mutual funds  
and community investments

 ??

Planning topics specific to unmarried couples

 ??

Planning topics specific to women

 ??

Harmony between couples around money

 ??

Implementation assistance

 ??

Collaboration with attorneys, CPAs, insurance agents, etc

 ??

Proactive review & adjustment to evolving circumstances

 ??


What will your fee be for Financial Planning and Investment Management?

Your fee will be:

  • First: calculate your net assets. Next: identify the corresponding annual fee on the fee table found below.
  • This annual fee is paid monthly, via direct debit from  an account of your choosing. 
  • For new clients: there is a one-time "getting started" fee equal to 25% of the annual fee.

Please note: I only work with a select number of financial planning clients, each paying fees based on their net asset level. Currently, the first seven tier levels are full. If your net assets point to one of these, your annual fee will be $17,460 and your one-time "getting started" fee will be $4,365. I will only consider an exception to this minimum for high income households who have a demonstrated commitment to a high level of savings.

Alternatively: please consider my SRI Investment Management standalone service.

Net Assets [total assets - total liability] Fixed Annual Fee-and-One-Time Getting Started Fee
$0 - $500,000$4,200-and- 
$500,000 - $750,000$5,880-and- 
$750,000 - $1 million$7,560-and- 
$1 million - $1.25 million$8,820-and- 
$1.25 million - $1.5 million$10,080-and- 
$1.5 million - $1.75 million$11,220-and- 
$1.75 million - $2 million$12,360and
$2 million - $3 million$17,460-and-$4,365
$3 million - $4 million$22,560-and-$5,640
$4 million - $5 million$27,660-and-$6,915
$5 million - $6 million$32,760-and-$8,190
$6 million - $7 million$37,860-and-$9,465
$7 million - $8 million$42,960-and-$10,740
$8 million - $9 million$48,060-and-$12,015
$9 million - $10 million$53,160-and-$13,290