What We Do
Professional Insights — Fiduciary Advice
Services
We set our fees to be able to help not only the financially secure, but also those who are just getting started. Your finances shouldn’t limit your access to knowledgeable, fiduciary advice. Financial Health Monitoring subscription fees are waived for private wealth clients.
Private
Wealth
- Investment management
- Financial planning
- Tax planning
- Financial health monitoring
- Elements® Financial Monitoring App
- One page financial plan
- Quarterly Performance Reports
- Two meetings per year
- Here when you need us
Financial Health Monitoring
- Elements® Financial Monitoring App
- One page financial plan
- Quarterly Performance Reports
- No specific advice given
- As-needed advisor coaching ($350 and up)
Advisor
Coaching
- Fee depends on complexity of project
- Total cost will be explained and agreed upon in advance
Private Wealth Fees and Service Calendar
For ongoing wealth management, we charge one low, fair fee based on the percent of assets under management (AUM).
- 1.00% for first $500k
- 0.85% for next $500k
- 0.70% for next $1M
- 0.55% for next $3M
- 0.40% for next $5M
- 0.25% above $10M
Winter Season Planning Areas for Review
Tax Summary Letter
Salary, Employer Benefits, Expenses, Cash Levels
RMD/QCD Management and Distribution Planning
Roth Conversions
Retirement Plan Contributions
Spring Season Planning Areas for Review
Tax Return Analysis & Review
One Page Financial Plan Updates
Sring Review Meetings
Risk Profile Updates
Beneficiary Review and Summary
Summer Season Planning Areas for Review
Tax Return Review and Preliminary Roth Conversion Analysis
One Page Financial Plan Updates
Insurance Review
(Medicare, Life, LTC)
Estate Plan Review /
Wills and Trusts
Fall Season Planning Areas for Review
Tax Return Analysis and Review
End-of-Year Tax Planning Opportunities
Fall Review Meetings
Roth Conversion and Distribution Analysis
Are There Other Fees?
We choose our partners based on the best interest of our clients. You may incur certain charges in addition to our SCM Investment Services fees imposed by our partners. For example, a custodian may charge a transaction fee for buying a fund and our legal partners may charge a fee for estate planning. We never share in these fees.
SCM only gets paid by you, our clients. We don’t get any kickbacks or a cut of our partner’s fees. The fees we charge our clients directly are the only way SCM Investment Services gets paid. Being independent allows us to focus only on your best interests.
Custodial Fees
We recommend TD Ameritrade Institutional, Betterment for Advisors, or Altruist for custody of your investments. However, clients may request custody of their assets at any custodian.
Mutual Fund Fees
We use mutual funds and ETFs from best-in-class fund managers like Vanguard and Dimensional. Vanguard and Dimensional do not charge load, sales, redemption, or 12b-1 fees. Their expense ratios are also among the lowest in the industry*.
