Each rate applies only to the assets in its band:
We bill quarterly in advance on your quarter-end balance, after you receive a receipt showing precisely how the fee was computed. You have nothing to do to pay us, and every tool to check our math. You can cancel anytime, with any prepaid, unearned fee refunded.
Our fee covers our advice about your mortgages and your overall capital — even capital in accounts we don’t manage — and planning exercises carry no extra charge. Fee-only means no commissions and no product revenue: we earn nothing but a percentage of the assets we manage.
You pay for your trades, which tend to cost very little. And you pay the operating costs of the funds and ETFs in your portfolio, which run between 0.084% and 0.4%. We choose inexpensive ETFs on purpose. That’s the entire list.