Prices & Services
Pricing and Services
Assets Under Management (AUM) Fees*:
| Tier | Minimum Investment | Maximum Investment | Fee Percentage |
|---|---|---|---|
| 1 | $1,000 | $1,000,000 | 1.3% |
| 2 | $1,000,000.01 | $2,500,000 | 0.95% |
| 3 | $2,500,000.01 | $5,000,000 | 0.6% |
| 4 | $5,000,000.01 | And Above | 0.3% |
*Discounts are available for aggregate contributions, rollovers services, deposits, etc of more than $1,000,000. Contact our office for more details.
Personal Financial Planning Fees:
Personal Financial Planning Fees start at $2,500 can reach $15,000.
Business and Executive Compensation Planning:
$250 per hour with a minimum initial engagement of 10 hours. Please contact us to receive a more extensive quote. Jump to Business & Executive Planning topics by using this link.
Full List of Financial Planning Topics (for reference,not all inclusive):
Education Planing
College costs and inflation analysis
Educational tax credits
Expected family contribution
FAFSA review
Financial Aid strategies
Funding and contribution strategies
Grants and other funding sources analysis
Parent Plus loans vs Student loans analysis
Provide direction on ownership of assets
Trust usage for education funding
Estate Planning
Beneficiary review
Charitable planning strategies
Estate tax analysis
Explanation of estate planning structures/documents – wills, POA, Trusts, etc.
Explanation of general taxation issues of trusts and estates – filing requirements, deadlines, etc.
Explanation of types and treatment of trust income - accounting, taxable, distributable
Family financial education
Generational estate transfer planning strategies
Gifting strategies
Guidance on ownership titles and titling of assets
Guidance on sources of estate liquidity
Health Care Directives
Analysis of private annuities and family loan strategies
Ongoing trust review
Sources of estate liquidity
Special needs planning
Trust planning and education
Wealth transfer scenarios
Investment Planning
Annual portfolio review
Asset allocation selection
Dollar cost averaging strategies
Investment policy statement development
Ongoing risk tolerance assessment
Product research
Re-balancing strategies
Personal Wealth Planning
Cash flow projections
Change in lifestyle guidance & updates
Debt management and consolidation
Mortgage analysis
Real estate purchase analysis
Expense management
Explain various components of cash flow (income, taxes, expenses)
Financing and funding analysis
Goal prioritization & accountability
HSA contributions strategies
Major purchase goal analysis
Personal financing strategies
Provide financial guidance/planning for special circumstances – divorce, disability, job loss, special needs, monetary windfall, etc.
Provide guidance and analysis on cash flow management, budgeting, and emergency fund planning
Refinance scenarios
Savings strategies
What if scenarios
Retirement Planning
Asset dissipation strategies
Assist in the coordination of retirement plan service providers
Beneficiary designation planning
Contribution limits planning
Contribution strategies
Education on various retirement plans
Employer benefits review
Employer plans vs. self directed plans
Identifying income in retirement
Investment consulting with plan sponsor investment committee
Plan participant asset allocation and investment recommendations
QLAC Strategy Review
Retirement funding solutions
Retirement needs analysis
Retirement plan choices (IRA, SEP, etc.)
Retirement plan strategies and coordination
Retirement plan stress testing
RMD or 72t calculations and explanations
RMD strategies
Rollover distribution strategies
Social security & medicare planning
Risk Management
Annuity Income Analysis
Asset allocation, diversification, and securities research for variable life and/or annuities (provided advisor is not rep/agent of record)
Business liability review
Cyber risk awareness
Disability and health insurance analysis
Education on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs. reimbursement
Existing policy review
Liability & Umbrella Insurance analysis
Life insurance planning
Long term care planning
Planning for unforeseen risks
Income analysis from insurance policy loans
Property and casualty insurance analysis
Risk exposure analysis
Survivorship income planning
Tax Planning
Cost basis review & analysis
Delivering accounting opinion
Discuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etc.
Identifying AMT issues
Income tax illustrations and analysis
Income taxation of life insurance and annuity products
Investment cost basis research and reporting
Itemized deduction review
Non-qualified deferred compensation programs
Optimal tax strategies
Qualified charitable distributions
Retirement and HSA deductible contributions
Roth conversions
Tax diversification strategies
Tax implications of various stock plans – Restricted, phantom, SARs, ESPP
Tax law changes and projections
Tax loss harvesting
Tax-managed investments strategies
Ongoing Financial Planning and Maintenance of all of the above
Business use of insurance
Business value consulting
Buy/Sell agreement analysis
Cash flow analysis
Cash flow and income statement analysis
Cash management
Deferred compensation plan analysis
Employee benefit and retirement plan strategies
Employee benefits planning
Entity structuring education
Financing Strategies
Intra-Family and other business transfer techniques
Non-Formal Business Valuation
Succession or exit planning
Executive Compensation Strategies
Deferred comp funding and distribution
NUA Strategies
Risk concentration strategies
Stock option analysis
Tax efficient exercise and vesting strategies
Other Services:
Brokerage accounts play a limited roll in our firm. These comission based accounts are only used when an account does not meet our advisory minimum of $1,000.
Annuities play a limited role at our firm but are appropriate upon occasion. We may bring them up if we feel they are appropriate and can research any questions you may have about their appropriateness for your situation.
Life insurance, long term care insurance, and disability insurance are all available through our firm.
529 Plans and other college fund focused accounts.
Common Stock
Stock Options
Mutual Funds
Bonds (in Mutual Fund Form only)
Municipal Bonds (in Mutual Fund Form only)
IRAs
Roth IRAs
Sep IRAs
Individual Accounts (taxable)
Joint Accounts (for example a taxable account for a husband and wife)
Trust Accounts
529 Plans
Term, Universal, and Variable Life Insurance
Long Term Care Insurance
Annuities (taxable and retirement)
Needs Analysis
Accumulation for a goal(s)
Annuity Income
Asset Allocation
Asset Preservation
Business Insurance
Disability Insurance
Education Goals
Estate Planning
Human Life Value
Life Insurance Need
Long Term Care Need
Retirement
Castellum Financial LLC and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.