How Our Flat Fee Works

The less you pay, the more you keep. That's the power of flat-fee planning.

Our fee structure is fair, transparent, and designed to help investors manage their wealth efficiently—without percentage based fees.

Ongoing wealth management typically ranges from $7,500 to $12,000, based on complexity. One flat fee covers all financial planning, investment management, and strategic guidance across accounts.

In select cases we offer one-time planning engagements for specific needs. These projects generally start at $5,000, subject to scope and availability.

As fiduciary, fee-only advisors, we receive no commissions or third-party compensation. We act in your best interests — always.

“The miracle of compounding returns is overwhelmed by the tyranny of compounding costs.”

— Jack Bogle

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Flat Fee & Fee Only

Transparent, Fair & Forward Thinking Financial Advisor Fees

Fees Aren't Always Clear: They Should Be

Investors with $3,000,000 in assets pay an average of $26,400 annually under percentage of asset fee structures based on industry studies.

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Many investors don’t realize the fees they pay, and that is understandable.

Advisor fees can be opaque and difficult to decode, making it hard for investors to know exactly what their costs are.

The majority of Advisors often charge a percentage of assets, known as AUM fees, rather than a clear and predictable flat fee. Over time, these fees may erode the long-term growth of your portfolio.

Our goal is simple: help investors make informed decisions by shedding light on how fees really work—and what alternatives exist.

Learn more about how to evaluate advisor fees.

The flat fee of $10,000 is for illustrative purposes and reflects a typical fee based on the services we provide and the complexity of financial planning and investment management needs for many clients. Actual fees may range from $3,000 to $12,000 annually, depending on individual circumstances. The exact flat fee is determined during consultation. Clients should review their engagement agreement for specific terms. Industry average AUM fees are based on industry reports, with averages ranging from 0.94% at $1.5M to 0.84% at $5M. The flat fee is expressed as a percentage of assets for comparison purposes only and does not represent an asset-based fee. Our fees are fixed-dollar amounts, not tied to portfolio value.

What it means for investors

With our approach, clients pay for the advice and value they receive without sacrificing the long-term growth of their investments.

When reinvested and compounded over time, these savings can contribute to wealth accumulation and support meaningful long-term financial outcomes.

Chart showing $5M growing to $27.75M with AWM's flat fee vs. $22.93M with AUM fees.

*This illustration is for informational purposes only and assumes a $5,000,000 portfolio with a 6% annual return over 30 years, with no contributions or withdrawals. Flat fees are based on Altruist Wealth Management’s model, which ranges from $3,000 to $12,000 annually, determined through consultation and influenced by account complexity. AUM fees are based on publicly available industry averages, ranging from 1.02% under $1 million to 0.59% for larger accounts. This illustration does not account for taxes, inflation, or other real-world financial variables, and does not guarantee future performance. Full methodology, including data sources and assumptions, is available upon request.