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Experience & Pricing

We tailor our services and pricing to each client’s goals, complexity, and planning needs.

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How We Work

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation.

Every client’s financial situation is different, so our services and pricing are tailored to the level of planning and coordination involved.

At Wealthmark Advisors, we work closely with clients to help organize the moving pieces of their financial life through:

  • Retirement & Pre-Retirement Planning
  • Tax-Efficient Planning
  • Investment & Wealth Management
  • Legacy & Estate Planning

Most people are not simply looking for investment management. They’re looking for clarity, coordination, and confidence — especially as financial lives become more complex.

Below is a general overview of how we structure our advisory relationships and fees.

Experiences and Pricing

Phase 1

*Pricing is subject to change based on the complexity of the financial planning needs.

Grow

For working households who already have investment accounts and are looking for an advisor to plan their finances. 

$1,500 - $3,000

Includes the following: 

  • 3-meeting planning experience
  • Unlimited email and phone access
  • Employer benefits review
  • Tax-savings opportunities
  • Investment review including 401(k), 403(b), 457(b), and TSP accounts
  • College savings strategies
  • Long-term retirement plan trajectory
  • Debt management recommendations
  • Estate planning education
  • Protection and risk management

Retire

For those with retirement on their mind (or already retired) who see value in receiving professional advice to help navigate irreversible retirement decisions.

$3,000 - $5,000

Includes everything from GROW, plus the following:

  • Social security analysis
  • Long-term care risk analysis
  • Tax efficiency planning
  • Retirement cash flow analysis
  • RMD planning and withdrawal strategies
  • Charitable giving advice
  • Business continuation planning
  • Referrals to CPAs, estate attorneys, insurance brokers, etc.

Comprehensive

For those who desire constructive legacy planning, which includes utilizing our broader professional team for estate planning.

$5,000 +

  • Includes everything from Grow or Retire, plus the following:
  • Generational wealth planning incorporating tax-efficient strategies
  • Personalized estate planning with documents finalized by a local attorney as needed (*up to $1,500):
    • Will
    • Durable Power of Attorney
    • Directive to Physician
    • Community Property Agreement
    • Credit Sheltered Trust
    • Children's Trust
    • Living Trust

Phase 2

In Phase 2, you engage with our advisors on a continuing basis as we serve as your dedicated fiduciary asset managers. Our role is to provide proactive, personalized wealth management and financial planning, with your best interests as our guiding principle.

We charge an annual advisory fee that is structured as a percentage of the assets under our management. This fee arrangement aligns our performance with yours—the more your portfolio grows, the better we both do.*

The management fee is negotiable, depending on the scope and complexity of the relationship, and is assessed and billed quarterly. Unless otherwise agreed upon in writing, the fee is calculated based on the market value of the assets in your account at the end of each calendar quarter.

Through this ongoing relationship, you gain access to our full suite of planning and investment services, regular reviews, and continuous monitoring of your financial plan to help give you clarity and confidence in pursuing your long-term goals.

*A wrap fee arrangement aligns the adviser’s compensation with the value of client assets under management; however, it also creates an incentive for the adviser to recommend strategies that increase or maintain those assets. Clients will incur the wrap fee regardless of portfolio performance, and investment results are not guaranteed. In certain circumstances, the total cost of a wrap fee program may be higher than paying for advisory services and transaction costs separately.

In addition to the annual management fee, PPS Custom Program clients may pay transaction charges, administrative charges, and miscellaneous account fees and charges, as described in the Master Services Agreement (MSA) or PPS Client Agreement (as applicable) and Commonwealth’s ADV Part 2A Brochure.

Fiduciary Pledge

The highest standard of care…

Our practice is built upon the highest fiduciary standards. Our priority is acting in the best interests of our clients. Our Advisors are Investment Adviser Representatives of Commonwealth Financial Network and are bound to uphold a fiduciary duty – the highest standard of care. Our independence serves as a basis to create comprehensive financial plans tailored to meet your financial goals. Our advice is dictated by one core principle – our client’s best interest.

We are committed to complete transparency and disclosure when it comes to our compensation and advice. We partner with Commonwealth Financial Network™, an SEC-registered Investment Adviser. You can feel confident that your best interests are being served. Acting as a fiduciary will enable us to make better decisions for you and your finances. We strive to build our client relationships with a focus on integrity, transparency, and collaboration.

Our fiduciary pledge to you:

We will act in the utmost good faith and undivided loyalty to our clients.

We will provide full and fair disclosure of all material facts, defined as those which "a reasonable investor would consider to be important."

We are committed to avoiding conflicts of interest and disclosing any potential conflicts of interest that may arise.