Fee Schedule

We offer three different service levels that include financial planning and investment management: Professional, Executive and Concierge. We offer a fourth service level of Investment Management Only which is typically for clients with smaller investment accounts. For a detailed description of the services included at the different levels of client engagement, please refer to our Service Level Description document.

Professional Level

Professional Level

Clients pay both a fixed fee and a variable Assets Under Management (AUM) fee quarterly in arrears. The fixed fee is $7,500 annually, which will be adjusted every January 1st by approximately 2% or the Consumer Price Index (CPI) if that is higher (rounded to the nearest $100). The fixed fee covers standard financial planning such as tax and retirement planning, estate planning and insurance needs analysis. Investment management for up to $500,000 in AUM is included in the fixed fee. Additional AUM fees apply on top of the fixed fee for assets under management over $500,000 as per the table below:

      Assests under Management             AUM Fee
Between     $500,000 to $2,000,000             0.80%
Between     $2,000,000 and $5,000,000             $12,000 + 0.60%
Over     $5,000,000             negotiable

Fees for the services included in the service levels are generally deducted quarterly in arrears, directly from client accounts. At the discretion of the firm, we may agree to bill for these services separately, in which case an agreed administrative fee may apply. Working with specific advisors may require higher fees at each service level. Under certain circumstances and at the discretion of individual advisors discounts to standard fees may be offered.

As additional safeguards to our clients, we send all invoiced amounts to the custodian, who reviews the amounts before they are posted to the client accounts. A copy of the invoice amount charged to the client is sent to each client as part of the quarterly reports received by each client. The custodian also provides monthly reports and on-line real-time access to account activity. The client may call the custodian at any time to terminate our ability to trade, view and deduct fees from their accounts.  Clients must authorize the custodian to allow White Lighthouse to deduct their management fees. Please note above that brokerage transactions may include fees other than those charged directly by White Lighthouse Investment Management.                 

In addition to the White Lighthouse fee, clients also pay trading fees to brokers / custodians that typically range from $4.95 to $30.00 per equity trade depending on the custodian. Mutual funds trading fees vary.  Most mutual funds and exchange traded funds have their own management expense fees, typically ranging from .03% to .50% per year, although exceptionally some may be higher. White Lighthouse is a fee-only firm and we only receive compensation from clients. We do not receive any fees, commissions or payments from any brokers, funds or other third parties.

Executive Level

Executive Level

Clients pay both a fixed fee and a variable AUM fee quarterly in arrears. The fixed fee is $15,000 annually, which will be adjusted every January 1st by approximately 2% or the Consumer Price Index (CPI) if that is higher (rounded to the nearest $100). This fixed fee covers all the services under the professional service level and investment management for up to $1,000,000 in AUM. This fee level additionally includes up to 20 hours/year of specialized and/or cross border planning services, such as business planning, use of trusts, trust document review, charitable giving, international relocations, expatriation and naturalization, executive compensation, offshore tax compliance programs, coordination with other advisors, including attorneys, insurance brokers, loan officers, tax advisors, trustees, etc.  and other needs specific to the client’s situation.  Additional AUM fees apply on top of the fixed fee for assets under management over $1,000,000 as per the table below:

      Assests under Management             AUM Fee
Between     $1,000,000 to $2,000,000             0.75%
Between     $2,000,000 and $5,000,000             $7,500 + 0.55%
Over     $5,000,000             negotiable

Fees for the services included in the service levels are generally deducted quarterly in arrears, directly from client accounts. At the discretion of the firm, we may agree to bill for these services separately, in which case an agreed administrative fee may apply. Working with specific advisors may require higher fees at each service level. Under certain circumstances and at the discretion of individual advisors discounts to standard fees may be offered.

As additional safeguards to our clients, we send all invoiced amounts to the custodian, who reviews the amounts before they are posted to the client accounts. A copy of the invoice amount charged to the client is sent to each client as part of the quarterly reports received by each client. The custodian also provides monthly reports and on-line real-time access to account activity. The client may call the custodian at any time to terminate our ability to trade, view and deduct fees from their accounts.  Clients must authorize the custodian to allow White Lighthouse to deduct their management fees. Please note above that brokerage transactions may include fees other than those charged directly by White Lighthouse Investment Management.                 

In addition to the White Lighthouse fee, clients also pay trading fees to brokers / custodians that typically range from $4.95 to $30.00 per equity trade depending on the custodian. Mutual funds trading fees vary.  Most mutual funds and exchange traded funds have their own management expense fees, typically ranging from .03% to .50% per year, although exceptionally some may be higher. White Lighthouse is a fee-only firm and we only receive compensation from clients. We do not receive any fees, commissions or payments from any brokers, funds or other third parties.

Concierge Level

Concierge Level

Clients pay a fixed fee quarterly in arrears. The fixed fee will be adjusted every January 1st by approximately 2% or the Consumer Price Index (CPI) if that is higher (rounded to the nearest $100). The minimum annual fee starts at $30,000 and is based on client complexity, assets under management and assets under advisory. An AUM fee may apply. The annual fee covers all the services provided under the executive and professional levels without hourly limitation, additional advice for adult children, and, at the request of the client, it may also include specialized tax services, including preparation and representation services depending on the advisor assigned to the client.

Fees for the services included in the service levels are generally deducted quarterly in arrears, directly from client accounts. At the discretion of the firm, we may agree to bill for these services separately, in which case an agreed administrative fee may apply. Working with specific advisors may require higher fees at each service level. Under certain circumstances and at the discretion of individual advisors discounts to standard fees may be offered.

As additional safeguards to our clients, we send all invoiced amounts to the custodian, who reviews the amounts before they are posted to the client accounts. A copy of the invoice amount charged to the client is sent to each client as part of the quarterly reports received by each client. The custodian also provides monthly reports and on-line real-time access to account activity. The client may call the custodian at any time to terminate our ability to trade, view and deduct fees from their accounts.  Clients must authorize the custodian to allow White Lighthouse to deduct their management fees. Please note above that brokerage transactions may include fees other than those charged directly by White Lighthouse Investment Management.                 

In addition to the White Lighthouse fee, clients also pay trading fees to brokers / custodians that typically range from $4.95 to $30.00 per equity trade depending on the custodian. Mutual funds trading fees vary.  Most mutual funds and exchange traded funds have their own management expense fees, typically ranging from .03% to .50% per year, although exceptionally some may be higher. White Lighthouse is a fee-only firm and we only receive compensation from clients. We do not receive any fees, commissions or payments from any brokers, funds or other third parties.

Investment Management Only

Investment Management Only

The fee for the Investment Management Level starts at $5000 annually and varies based on the Assets Under Management (AUM) as per the table below. The fee is charged quarterly in arrears.

      Assests under Management             AUM Fee
Up to     $500,000             $5,000
Between     $500,000 and $2,000,000             $5,000 + 1%
Over     $2,000,000             negotiable

Fees for the services included in the service levels are generally deducted quarterly in arrears, directly from client accounts. At the discretion of the firm, we may agree to bill for these services separately, in which case an agreed administrative fee may apply. Working with specific advisors may require higher fees at each service level. Under certain circumstances and at the discretion of individual advisors discounts to standard fees may be offered.

As additional safeguards to our clients, we send all invoiced amounts to the custodian, who reviews the amounts before they are posted to the client accounts. A copy of the invoice amount charged to the client is sent to each client as part of the quarterly reports received by each client. The custodian also provides monthly reports and on-line real-time access to account activity. The client may call the custodian at any time to terminate our ability to trade, view and deduct fees from their accounts.  Clients must authorize the custodian to allow White Lighthouse to deduct their management fees. Please note above that brokerage transactions may include fees other than those charged directly by White Lighthouse Investment Management.                 

In addition to the White Lighthouse fee, clients also pay trading fees to brokers / custodians that typically range from $4.95 to $30.00 per equity trade depending on the custodian. Mutual funds trading fees vary.  Most mutual funds and exchange traded funds have their own management expense fees, typically ranging from .03% to .50% per year, although exceptionally some may be higher. White Lighthouse is a fee-only firm and we only receive compensation from clients. We do not receive any fees, commissions or payments from any brokers, funds or other third parties.

Fees for additional services (Projects)

For clients at the investment management, professional and executive level, services beyond the scope of the service level may be provided on a project basis, by mutual agreement. Our hourly rates for additional services are between $450/hour to $750/hour depending on the advisor and complexity of the work. An engagement letter between the client and advisor describing the scope, the fee and delivery deadlines for the project is required prior to the commencement of any such project. Fees for such projects are due upon signing of the engagement letter and are non-refundable.

*Please note that pricing and payment is available in Swiss Francs for projects and investment management in Switzerland. The above schedule is for investment management and projects from the United States.