The ZWM Difference

Capped fees​

• It doesn't require a lot more work to manage a $20million portfolio relative to a $1million portfolio.  The industry will try to convince you otherwise. I've seen and managed multimillion dollar portfolios and oftentimes they are no different that someone with $500k.  But at a fee of 0.5% (which would be a bargain after looking at various fees schedules in the industry) a client would pay $100k on that $20 Million portfolio vs, $5k in fees for a $1 Million portfolio.  Is your advisor doing 20 times more work?  I'll charge a flat $10k per year whether you have $2 Million or $20 Million.

• I try to think of my time in terms of an hourly rate.  Financial services is one of the few industries where professionals are not paid based on the time they spend.  If you are someone with $5 Million in assets and went to an accountant or a lawyer who tell you they're going to charge $50k per year for their services, you'd likely walk out.    

• Now let’s say you want to go with a Roboadviser and get very low fees.  Those are going to be anywhere from 0.15-0.25% at the low end which would be $7,500-12,500.  With this you are dealing with a call center which may not be located in the United States.  What if you have a complex question?  Are you prepared to deal with a chat box and/or long hold times for this “low” cost?

​

No Financial Planning Minimums

Many if not most financial planning firms charge a minimum of $2000-$2500 for financial planning.  I charge an hourly rate with no minimum.  So maybe you just have basic question like: Am I investing in my 401k correctly; what would be more beneficial, Roth or Pretax investments; What pension option makes most sense?  Any of these can typically be answered if far less time that it would take for me to accrue $2000 in fees.  Come by my office and buy an hour of my time.  It'll cover a lot of information and cost you a fraction of typical advisor minimums.

​

Happy To Work With Anyone

Large firms which are household names won't even talk to you if you have under $250k to invest.  Many times that means you'll be charged hefty commissions and get no planning services.  ZWM offers fee-only, fiduciary, straight-forward advice to everyone.  

 

Client Limits

Limiting number of families to 100 to ensure proper service levels

​