By using our website you have entered into a binding agreement to accept our terms of use. Please read these terms carefully. They affect your legal rights and limit our liability. If you do not agree to be bound by every one of these terms, please exit our site immediately.

MODIFICATIONS

We may modify these Terms at any time without notice to you. The latest Terms will be posted on our Website. By using the website after we have posted modifications, you agree to be bound by the modifications. If you do not accept the Terms as modified, do not continue to use the Website.

LIMITED LICENSE

We grant you a limited, non-exclusive, non-transferable, revocable license, without any right to sublicense, to use our Website strictly in accordance with the Terms. You may use the Website solely for personal, non-commercial purposes, and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or any other use. Commercial use of any content on the Website is absolutely forbidden. You may not print out or use an electronic version of any part of our Website. You agree not to copy materials, content or any other information on the Website, reverse engineer or break into (hack) the Website, or use materials, products or services in violation of any state or federal law.

LAWFUL USE

You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our Website. In addition, you agree not to manipulate or otherwise display the Website by using framing or similar navigational technology. You agree not to access the Website by any means other than through the standard industry-accepted interfaces. You will not use the Website for any purpose that is unlawful or prohibited by these Terms. You may not use the Website in any manner which could damage, disable, interrupt, over burden, or impair the Website or WLIM’s network or servers, or interfere with any other party’s use and enjoyment of the Website. You may not attempt to gain unauthorized access to the Website, other accounts, computer systems or networks connected to the Website, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website. In addition, you shall not register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for the Website if you are not expressly authorized by such party to do so.

OUR RELATIONSHIP TO YOU

You and we are independent contractors. This Agreement in no way creates any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between us.

OUR INTELLECTUAL PROPERTY

All content on the Website, including but not limited to designs, data and databases, text, graphics, images, photographs, illustrations, audio and video material, artwork, proprietary information, client-side code (e.g. HTML, JavaScript, etc.), server-side code (e.g. active server pages, VBScript, databases, etc.), information and statistics concerning the use of the Website, and all copyrightable elements of the Website, and their selection and arrangement (collectively, “Content”) are the property of WLIM. Our Content is protected by U.S. copyright law, international treaties and other intellectual property rights. Except as otherwise stated herein, Content may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. §107), as amended, and then, only with notices of our proprietary rights. You may, however, download the information in the Website and print out hard copies for your own personal, noncommercial use, so long as you do not remove any copyright or other notice as may be contained in the information as downloaded.

INTENDED AUDIENCE

This Website is intended for adults aged 18 years or older. Any registration by, use of or access to our Website by anyone under age 18, is unauthorized, unlicensed and in violation of these Terms of Use. By using our Website you represent and warrant that you are 18 or older and that you agree to and to abide by all of the terms and conditions of this Agreement.

[WLIM has sole right and discretion to determine whether to accept a Client, and may reject a Client with or without explanation.

If you become a Client, you will receive a password that will allow you to access to a secure section of our Website. You agree to maintain the confidentiality of your password and are fully responsible for all liability and damages resulting from your failure to maintain that confidentiality and all activities that occur through the use of your password.

You agree to immediately notify us of any unauthorized use of your password or any other breach of security. You agree that our Website cannot and will not be liable for any loss or damage arising from your failure to comply with password security as discussed herein.]

FINANCIAL, LEGAL AND OTHER ADVICE DISCLAIMER

Your use of the Website creates no professional relationship of any kind between you and WLIM. Nothing contained in our Website shall constitute financial, investment, legal and/or other professional advice to or for you. You hereby agree that you shall not make any financial, investment, legal and/or other decision based in whole or in part on anything contained in our Website.

USE OF INFORMATION

We reserve the right, and you authorize us, to use and assign of all of your information regarding your use of our Website in any manner consistent with our Privacy Policy.

All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, “Submission”) is considered assigned to us and is as such considered our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations.

Without limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

We may assign these Terms and our rights hereunder, in whole or in part, to a third party, in our sole discretion, in connection with a merger, acquisition, reorganization or sale of substantially all of our assets, or otherwise. You may not assign, sublicense, or delegate any of your rights hereunder.

PRIVACY POLICY

Our Privacy Policy is considered part of this Agreement. You should review this Privacy Policy by clicking on this link.

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 $0 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 $0 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 $0 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 $0 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.