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:
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Transparent
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Fair
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Built for long-term growth — without annual percentage-based fees.
Flat Annual Fee for Ongoing Wealth Management:
$3,000 – $12,000 / year, based on complexity
Includes:
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CFP led financial planning
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Investment management
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Strategic coordination across all accounts
One-Time Planning Engagements:
$1,000 – $12,000 / project, based on scope and complexity
Fiduciary. Fee-Only. Commission-Free.
We act in your best interest — always.
Do you know what your fees are?
Investors with $3,000,000 typically pay $26,400 per year in percentage-based advisory fees.
Source: AdvisoryHQ, based on industry study averages
Fees Aren't Always Clear: They Should Be
Most investors don’t know what they’re really paying in advisory fees. And that’s not their fault.
The Problem
Advisor compensation is often buried in statements or disclosures, hard to find, and rarely shown plainly in dollars.
Many firms charge a percentage of your assets.
Regardless of how much work is being done. It may seem small, but over time, those fees compound, and can quietly erode long-term returns.
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 Value of a Flat-Fee Approach
With our model your fees stay predictable—even as your portfolio grows.
Over time, that difference adds up.
On a $5M portfolio, that can be over $4.8 million in additional value compared to industry average fees.
Most firms charge more as your portfolio grows,
even when the work doesn’t.
You should pay for advice, not a percentage-based tax on your wealth.
How Do Your Fees Stack Up?
The table below compares industry-average AUM fees to a flat-fee example, so you can see the potential difference.
📊 Advisor Fee Comparison Tool
The industry standard is 1%. This shows what that really costs you.
✅ Understanding Advisor Fees
A closer look at how advisor fees work—and why structure matters.
“Do the right thing, do it the right way, and do it right now.”
— Gerard O’Reilly, PhD
Disclosures: *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.
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.