OUR FEES
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TRANSPARENT PRICING
At High Mountain Financial we believe everyone deserves to have access to unbiased fee-only financial advice custom tailored to suit their unique circumstances.
We also believe what you pay should be totally transparent and agreed upon upfront. Our services are offered with easy to understand flat rate pricing – so you know exactly what you are paying.
No hidden surprises or complicated fee calculations.
As a fiduciary, working with our clients on a fee-only basis allows us to eliminate the conflicts of interest that exist with commission-based fee structures. Because we do not sell commission based products, you can rest assured that our recommendations are made with your best interests in mind.
This ensures we are both on the same side of the table – working together to move forward on your hopes, dreams and goals.
OUR FEES (WHAT IT COSTS)
We believe fee-only advice should be available to everyone, regardless of how much money you have accumulated (so far). Our clients come first – we offer transparent pricing with no surprises and different billing options to best meet our clients needs.
We work with clients for both their Financial Planning and Investment Management needs. While clients can choose to work with us for only one service it usually makes sense for most people to work with us for both. Our Comprehensive Wealth Management services combines both Financial Planning and Investment Management into one easily understandable flat fee.
COMPREHENSIVE WEALTH MANAGEMENT
(Financial Planning + Investment Management)
One Time Start-Up and Onboarding Fee – $750
To match the timing of the work being accomplished we initially charge a one-time onboarding fee which includes the first 3 months of Ongoing Financial Planning Fees.
This is where the upfront heavy lifting occurs in the beginning of our relationship – getting you onboarded, gathering documents and data, and of course the actual creation of your plan. During this time, we will have 5 (or more if needed) meetings as we collaborate on your individualized financial plan and begin implementing the agreed upon solutions.
Ongoing Financial Planning – $3,600 – $7,200
(Paid Monthly or Quarterly – At Your Convenience)
Ongoing Financial Planning Fees begin once we exit the first 3 months of our planning relationship. We will continue to work toward your goals, implementing the remaining agreed upon solutions & ‘course correcting’ as needed.
We will plan on meeting every 4 months (January, May, and September) to ensure we continue to advance towards your goals while making any necessary changes. Ongoing planning meetings – as needed and agreed upon – will allow for implementation, support, and reviewing your progress as we accomplish your goals.
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⭐ Clients who use both our Financial Planning & Investment Management services will have fees reduced. Ongoing Financial Planning Fees will be offset by Investment Management Fees as described below…
INVESTMENT MANAGEMENT
The following fee table applies for clients who choose to use our Investment Management services:
| Assets From | Assets To | Our Annual Flat Fee |
|---|---|---|
| $0 | $500,000 | $3,600 |
| $500,000 | $750,000 | $4,800 |
| $750,000 | $1,000,000 | $6,000 |
| $1,000,001 | AND GREATER | $7,200 |
For clients who choose to use both our Ongoing Financial Planning & our Investment Management services:
Ongoing Financial Planning Fees will be reduced proportionately on a dollar to dollar basis in accordance with Investment Management fees paid. This reduction will be evaluated initially once we exit the first 3 months of our relationship (when Ongoing Financial Planning Fees begin) and reevaluated at the beginning of each calendar quarter thereafter.
For Example:
- Example # 1 – Client agrees to use our Ongoing Comprehensive Planning services, and wants to pay the $3,600 fee quarterly ($900). If the client has a $300,000 Investment Management Account with HMFC the client would pay $667.50 quarterly in Investment Management fees. The Investment Management fees of $667.50 would thereby reduce the Ongoing Comprehensive Planning fee for that quarter to $232.50 ($900 – $667.50 = $232.50) to be paid in monthly or quarterly increments.
- Example # 2 – Client agrees to use our Ongoing Comprehensive Planning services, and wants to pay the $3,600 fee quarterly ($900). If the client has a $750,000 Investment Management Account with HMFC the client would pay $1,543.75 quarterly in Investment Management fees. The Investment Management fee of $1,543.75 is more than the Ongoing Comprehensive Planning fee – thereby reducing the Ongoing Comprehensive Planning Fee to $0.
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ASK ME ANYTHING – 1 HOUR
One Time Fee – $250
Our ask me anything service allows you to get complete and uninterrupted attention with a CFP® professional in a no judgment environment to ask anything that is on mind.
Our fee for this service is a one time payment of $250.
If after our time together you decide you would rather enter a relationship with us involving our Financial Planning services we will credit the $250 payment toward our One Time Onboarding Fee.
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