Fee-Only Investments & Financial Planning

Our Certified Financial Planners build investment portfolios
that serve your life goals

Our Firm : Schedule of Fees

To learn more about fee-only planners go to www.napfa.org

ICM operates as a fee-only firm. Fee-only means we do not sell any products, and hence, we do our best to eliminate any conflicts of interest in order to provide you with the information you need to make good decisions. All of our financial advisors are CERTIFIED FINANCIAL PLANNER professionals who are paid only by you, the client.

Our Services

What you should know about our fees:

  • You have the choice of either a flat retainer fee that covers both financial planning and investment management, or paying for the two services separately.
  • If paid separately, the minimum annual investment fee is $8,000.
  • Due to ICM’s efficient operations, our fees compare favorably to many other San Francisco Bay Area advisors.

Financial Planning

We offer full financial planning services for our investment clients. Investing is only part of the picture, and our clients benefit from a coordinated view of their financial life provided by a CERTIFIED FINANCIAL PLANNER professional. For clients who choose a flat retainer, most financial planning time is included in the fee. For clients who choose to pay for financial planning separately, our hourly rate is $280. The initial planning, which covers some or all of the services listed on the Services: Financial Planning page, typically runs $3,000-$6,000.

Investment Management

Flat retainer fee: We are always looking at ways to reduce and eliminate any potential conflicts of interest between providing advice to our clients and our form of compensation. The flat retainer nearly eliminates all conflicts of interest. The retainer fee covers investment management and most financial planning time and is based on the complexity of your situation, your assets and your income. The Assets Under Management table below can be used as a baseline; we can quote your flat retainer fee once we fully discuss your situation. Many clients prefer this method for its simplicity and predictability.

Asset-based fee: This is probably the most common form of compensation for fee-only investment managers. It is easy to understand and calculate. Some clients prefer this method because it links their portfolio performance to their advisor’s compensation. Financial planning is charged separately at our $280 hourly rate.

Assets under Management Annual Fee
For example: The fee for managing $1.5M is $13,000 annually or a blended rate of 0.87%; for assets of $3.5M, the annual fee is $23,500 or a blended rate of 0.67%; and for assets of $6.5M, the annual fee is $35,500 or a blended rate of 0.55%.
the first $1,000,000 1.00% (minimum fee $8,000)
the portion from $1,000,000 to $2,000,000 0.60%
the portion from $2,000,000 to $5,000,000 0.50%
the portion over $5,000,000 0.30%

Fee payment: Fees are paid in advance at the beginning of each quarter. With your approval, fees are deducted directly from your investment account. You may terminate at any time with no notice and no penalty; any fee paid past the termination date is refunded.

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