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What does it cost?

Transparent. 100% Fiduciary. Valuable.

Do you know the total cost you pay for financial advice?

Our clients know the exact cost, with no commissions, no kick-backs, no surprises.

Although we offer hourly advice, and advice on specific projects, most clients choose to retain us for ongoing advice. These clients are charged a fixed percentage of the portfolio, usually around 1% per year.

 

When done right, our cost is a small fraction of the value we offer:

  • By helping you make better decisions, make them earlier, and avoid costly errors.
  • By causing your long-term investment return to exceed other comparable options, self-selected or otherwise.
  • By providing peace of mind while saving you time and energy.

Studies by Vanguard and others estimate the value of good advice at far more than it's cost, plus potential investment returns.

This same value may not be true of "fee-based" or commission advisors: “a client with a $1 million portfolio will pay at least $20,000 more in various hidden costs to a broker than to a fee-only financial advisor, even if both the broker and advisor are charging the same fee amount for the planning and investment work.1” 

As a Fee-Only fiduciary our cost is fully transparent - agreed to in advance, reviewed and summarized multiple times each year, and tracked over time as your total lifetime advisory cost. 

 

 

Not ready for a dedicated, fiduciary financial planner and investment advisor?

Consider these non-broker, commission-free alternatives (unaffiliated with Open Window):

Do-It-Yourself
Digital advisor
Hybrid advisor
Human advisor
Fees: 0.04% to 0.16%
Fees: 0.25% to 0.65%
Fees: 0.35% to 0.89%
Fees: 1%
  • Select a single, low-cost portfolio with a low minimum balance
  • No guidance beyond initial investment selection
  • Good for those starting out or when your situation is simple
  • Help selecting a single, low-cost portfolio with a low minimum balance
  • Limited access to a human when you have questions on investing
  • Good for those starting out or when your situation is simple
  • Help selecting a single, low-cost portfolio with a low minimum balance
  • Can offer limited advice on topics beyond investing, sometimes from a CFP® professional
  • Good when you have some wealth built or want more interaction
  • Face-to-face portfolio management and customized advice on topics beyond investing
  • Ideally, act as unlimited fiduciaries, are CFP® professionals, and represent CEFEX-certified firms
  • Good for those with more-complex situations and/or established wealth

Vanguard Target Retirement Funds

Vanguard LifeStrategy Funds

WealthFront

Betterment

Vanguard Personal Advisor Services

Personal Capital

Vantage Wealth Planning (Reno Nevada)

XY Planning Network, (All 50 US States & International)