Fees & What's Included
1. Advisory Fees
Our advisory fee is a percentage of assets under management (AUM), billed quarterly in arrears. The fee decreases as your portfolio grows:
| Assets Under Management | Annual Fee |
|---|---|
| $0 – $499,999 | 1.45% |
| $500,000 – $999,999 | 1.30% |
| $1,000,000 – $4,999,999 | 1.15% |
| $5,000,000+ | 1.00% |
How it works: Fees are calculated using average daily balance and deducted from your Schwab account quarterly with your written authorization. Account minimum is $250,000 (may be waived). Fees are generally negotiable.
2. 401(k) & Held-Away Accounts
We can manage workplace retirement accounts (401k, 403b, HSA) you can't transfer to Schwab using Pontera's secure platform.
We absorb the platform fee. Pontera charges 0.30% annually. We deduct this from our standard rate—you pay the same effective fee as your other accounts.
Example: 1.45% standard − 0.30% Pontera = 1.15% total
3. Financial Planning
Included with Portfolio Management
Financial planning is included at no additional cost for advisory clients. This covers retirement income planning, tax-aware withdrawal strategies, Social Security timing, estate coordination, and insurance review.
Standalone Financial Planning
For clients who want a comprehensive plan without ongoing portfolio management:
- Initial plan: $3,999 (one-time)
- Ongoing updates: $750 per quarter (after year one)
4. What's Included
Your advisory fee covers:
| Service | Description |
|---|---|
| Fiduciary Advice | We're legally obligated to act in your best interest |
| Custom Portfolios | Individual stocks & ETFs tailored to you—no mutual funds |
| Financial Planning | Retirement, tax, estate coordination included |
| Quarterly Reviews | Scheduled check-ins to keep your plan on track |
| Schwab Custody | Your assets held at Charles Schwab with SIPC protection |
| Direct Access | Phone, video, or in-person when you need us |
5. What We Don't Charge
- No commissions — We don't earn commissions on trades or product sales in advisory accounts
- No mutual fund loads — We use ETFs and individual stocks, avoiding front-end loads, back-end loads, and 12b-1 fees
- No performance fees — Our fee is the same regardless of market performance
- No account closing fees — You can terminate anytime; unearned fees are refunded within 14 days
6. Other Costs
These are separate from our advisory fee and paid to third parties:
| Cost | Details |
|---|---|
| ETF Expense Ratios | Internal fund costs (typically 0.03%–0.25%), deducted by the fund |
| Attorney / CPA Fees | If you engage outside professionals, you pay them directly |
| Insurance Premiums | Premiums go to carriers; we disclose any commissions in writing |
7. Common Questions
When and how do I pay?
Fees are billed quarterly in arrears (after the quarter ends) and automatically deducted from your Schwab account with your written authorization.
Is there a minimum to get started?
Our standard minimum is $250,000 in investable assets. We may waive this at our discretion.
Can I cancel at any time?
Yes. You may terminate immediately upon written notice. Within the first 5 business days, you receive a full refund. After that, unearned fees are refunded within 14 days.
Are fees negotiable?
Yes. The final fee schedule is documented in your written Advisory Agreement.
Where can I find more details?
Our complete fee disclosure is in our Disclosures page and Form ADV Part 2A, available on the SEC's IAPD website (CRD# 310597).
Questions?
We're happy to walk you through exactly what you'd pay and what you'd receive.
SG Wealth Managers, LLC
7900 E Thompson Peak Pkwy, Suite 104
Scottsdale, AZ 85255
Phone: (480) 597-1743
Email: [email protected]