Cost Structure
Two Cost-for-Value Models
Your Dedicated Fiduciary® and its team of experts deliver value via two cost-for-models. These models serve as frameworks for the majority of our clients.
- One-Time Flat Cost Analysis: This is a flat cost retainer to conduct a thorough deep dive analysis on your financial planning profile.
- Fiduciary Wealth Management Annual Cost: This model is for those who are ready to have their assets managed, prefer the family-focused office structure, and need planning and investment management.
One-Time Flat Cost AnalysisObjective Second Opinion |
$2,500–$25,000RANGE DEPENDING ON ASSETS AND COMPLEXITY LEVEL |
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Who is the deep-dive analysis for?
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Still unsure if this is for you?
Fiduciary Wealth ManagementMaximum Annual Cost Blended Rate* |
1%ON THE FIRST $1 MILLION |
.75% – .30%ON THE NEXT $1 MILLION – $5 MILLION+ |
*see fee schedule below
The Difference—
Your Dedicated Fiduciary®
White Glove Fiduciary Services in California & Texas
Families and businesses deserve financial guidance built on expertise, not sales quotas.
Your Dedicated Fiduciary® provides objective wealth management services using a family office structure without the typical $50 million minimum.
Independent structure
Partnered with Commonwealth Financial Network®, not a bank or brokerage pushing proprietary products
Fiduciary Standard
Fiduciaries are regulated by the U.S. Securities and Exchange Commission. We are bound by two distinctive duties: the Duty of Care and the Duty of Loyalty.
Fee-only advanced planning expertise
We operate on a fee-only basis for all investment advisory services. Strategies typically reserved for ultra-high-net-worth portfolios are now accessible to clients with $2 million to $25 million in investable assets.
Stop Second-Guessing, Go for an Objective Second Opinion
To alleviate natural second-guessing, our proprietary Your Dedicated Fiduciary® Deep-Dive Analysis identifies which advanced strategies are missing or inefficient.
On a one-time, flat-cost basis, we review your entire financial profile to highlight existing planning gaps and recommend ways to bridge them.
Second-Guessing Scenarios
"Am I being served well?"
You’re not confident your advisor is coordinating with allied professionals, such as your CPA, estate planning attorney, insurance agents, CFO, and bookkeeper (etc), or acting as a true fiduciary.
“What should I do before selling my business?"
You’re not sure which tax-reduction or asset-protection strategies to implement before the sale, and you’re being proactive to take advantage of available opportunities to preserve your wealth.
NOTE: Many business owners, even those with CPAs and estate planners, don’t realize the number of advanced estate and tax planning strategies they are eligible for.
"Our parents' estate planning doesn't consider our individual family dynamics."
Your parents’ financial advisor rarely communicates with them (or you), and you’re either anticipating an inheritance or concerned that your parents’ estate is not fully prepared for their eventual transition.
"What steps should I take before my divorce?"
You need to understand your complete financial picture, including what you own, what you owe, and how to protect your interests before settlement negotiations begin.
"I'm a widow, and I don't know where to begin with understanding my complete financial picture."
Between beneficiary claims, estate settlement, and inherited assets, you need a dedicated fiduciary to help you identify what’s been overlooked.
We review:
- investment accounts
- business planning
- real estate holdings
- risk management strategies
- tax returns
- estate planning documents
- insurance policies
- balance sheet
Confidential & Discreet
We value relationships, our own and others’. Your current advisor does not need to be informed of this one-time analysis, and there is no requirement to transfer your assets to Your Dedicated Fiduciary®. This one-time analysis serves as an investment in learning about which techniques and strategies can bring significant value. After the analysis, we would be honored to continue the work if the relationship is a good fit.
Wealth Management with Your Dedicated Fiduciary®
Your Dedicated Fiduciary® offers a family office structure without the typical $50 million minimum. This level of service means you receive comprehensive wealth management, which includes tax-reduction strategies, estate planning coordination, and CPA collaboration, all under one roof.
Our annual cost structure follows a conventional Assets Under Management (AUM) model with tiered rates for portfolios of $2 million to $25 million in investable assets. As your wealth grows, your effective annual cost rate decreases.
* PPS Custom Program (Transactions) Account clients will pay an annual management fee, as outlined in the blended fee schedule below. The management fee is negotiable and billed quarterly, and, unless otherwise agreed, shall be based on the value of assets in the Account.
* In addition to the annual management fee, PPS Custom Program clients may pay transaction charges, administrative charges, and miscellaneous account fees and charges, as described in the Master Services Agreement (MSA) or PPS Client Agreement (as applicable) and Commonwealth’s ADV Part 2A Brochure.
Annual Management Cost Blended Rate Tiers
The tiered structure below means you pay a lower percentage on larger asset amounts. Your total annual cost is calculated by applying each rate to the corresponding tier of your financial profile.
| TIER | ACCOUNT VALUE($) | RATE (%) |
| First | $1,000,000 | 1.00% |
| Next | $1,000,000 | 0.75% |
| Next | $1,000,000 | 0.60% |
| Next | $1,000,000 | 0.45% |
| Above | $5,000,000 | 0.30% |
Blended Costs – Example Calculations
Here’s how the blended rate is calculated for three different financial profile sizes. Your actual annual cost will depend on your unique financial profile.
Total: $21,700 Annual Management Cost
| TIER | ACCOUNT VALUE($) | RATE (%) | COST Calculation | COST Amount |
| First | $1,000,000 | 1.00% | $1,000,000 × 1.00% | $10,000 |
| Next | $1,000,000 | 0.75% | $1,000,000 × 0.75% | $7,500 |
| Next | $1,000,000 | 0.60% | $700,000 × 0.60% | $4,200 |
| Total | $2,700,000 | $21,700 |
Total: $50,200 Annual Management Cost
| TIER | ACCOUNT VALUE($) | RATE (%) | COST Calculation | COST Amount |
| First | $1,000,000 | 1.00% | $1,000,000 × 1.00% | $10,000 |
| Next | $1,000,000 | 0.75% | $1,000,000 × 0.75% | $7,500 |
| Next | $1,000,000 | 0.60% | $1,000,000 × 0.60% | $6,000 |
| Next | $1,000,000 | 0.45% | $1,000,000 × 0.45% | $4,500 |
| Above $5M | $7,400,000 | 0.30% | $7,400,000 × 0.30% | $22,200 |
| Total | $11,400,000 | $50,200 |
Total: $87,400 Annual Management Cost
| TIER | ACCOUNT VALUE($) | RATE (%) | COST Calculation | COST Amount |
| First | $1,000,000 | 1.00% | $1,000,000 × 1.00% | $10,000 |
| Next | $1,000,000 | 0.75% | $1,000,000 × 0.75% | $7,500 |
| Next | $1,000,000 | 0.60% | $1,000,000 × 0.60% | $6,000 |
| Next | $1,000,000 | 0.45% | $1,000,000 × 0.45% | $4,500 |
| Above $5M | $19,800,000 | 0.30% | $19,800,000 × 0.30% | $59,400 |
| Total | $23,800,000 | $87,400 |