Fees

Investment Management: 1% on assets up to $250k, 0.50% on anything above $250k.  Fees are capped at $10,000 per year per household.  That means if you have over $1.75 Million in assets invested with us, you won't pay anything more.  Underlying fund expenses depend on the investments and are built into the return.  ZWM portfolios typically have underlying expenses of roughly 0.15% which are not paid to us and are not reflected in the examples below.

​

Example 1: Husband and Wife each have Traditional IRA’s valued at $25k each. They also have a Roth IRA at $50k and a Joint Account valued at 100k for a total of $200k in assets. Their total annual fee is $2000 per year ($200k in total assets x 1%)

​

Example 2: A married couple have a $1million Joint Account and $200k in each IRA plus a $100k Roth IRA for a total of $1.5million.  Their total annual fee is $8750 (1% x $250k plus 0.5% on $1.25million).

 

Example 3: A Widow has $5million in a taxable account and $1million in her IRA.  In this case she would pay $10,000 because she his the annual maximum.  Otherwise the fee would look like (1% x $250k plus 0.5% x $5.75Mil = $31,250)

There is no additional charge for Financial Planning if you have assets under management at ZWM.
 

If you want a 3rd party review of your current holdings, an unbiased financial plan, or you want to work with a financial services fiduciary in an hourly capacity, the charge is $300 per hour.  A time estimate will be given and contract will be completed before any hourly fees are due