As a CERTIFIED FINANCIAL PLANNER™ and a Certified Wealth Strategist ® Professional, I believe it is important to disclose our compensation structure.
Our compensation is earned in one or a combination of the following:
Asset based fees: Investment accounts may be structured using variable annuities, variable universal life insurance, individual securities, "no-load" and "load waived" mutual funds. These accounts are charged an annual fee of 1.0% to 2.0%, based on account size and the management style utilized. Please note: in many cases, a Third Party Money Manager is utilized. These Money Managers are specialists and offer an additional level of performance and accountablility. Complete details are made available at the introductory meeting or upon request.
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Hourly Fees: $ 125.00 per hour for consulting services.
Clients wishing to have a comprehensive financial plan designed, but choose not to implement the plan through our office, will be charged $125.00 per hour with a six hour minimum.
In some cases, hourly fees may be waived as a result of plan implementation which includes commission based products, provided through the offices of Janet J. Montgomery, CFP®, CWS ®First Allied Securities, Inc. and their affiliated companies. Additional details are available upon request.
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Commissions: Many clients wish to have the investment companies pay the planner via commissions. Janet J. Montgomery, CFP®, CWS ®and First Allied Securities, Inc. share in this compensation when these types of investments are used in financial plan implementation |