Full Service - Ongoing Investment Management & Financial Planning
Fees as low as $150/quarter ($50/month)  (We are a fee-only, not fee-based advisory firm.)

After the initial investment plan is complete, we would be pleased to assist you with implementing the plan, managing your investments, assisting you as your needs dictate, and sitting down with you for annual "financial physicals" or "check-ups".

These advisory services form a complete package that includes:

  1. Implementation of your initial investment plan (developed using a previous Initial Investment Plan advisory service).
  2. Ongoing management of your investments & investment plan.

What can I expect?

  1. We implement the initial investment plan, which may involve establishing new accounts and/or account transfers, setting-up contribution or withdrawal schedules from these accounts.
  2. We manage your investments on an ongoing basis, including:
  • Quarterly investment portfolio reviews, investment summary statements & newsletters
  • Ongoing occasional consultation as your needs dictate
  • Annual rebalancing of investment accounts
  • Annual reviews

What would an annual review be like?

An annual review is typically a sit-down meeting, but it can be held remotely if this is more convenient for you.  During the annual review, adjustments are made to your investment plan as your life changes, and as your life circumstances dictate. Your investments are also rebalanced annually (at a minimum) to keep them on-track with your plan.

Updating your plan may consist of modifications regarding one or more of the following primary areas:

  • Investment review, and general investment planning
  • Retirement investment planning
  • Education funding planning

Updating your plan during the annual review may also consist of modifications regarding one or more of the following secondary areas:

  • Cash flow & debt management
  • Tax planning
  • Estate planning
  • Evaluation of insurance needs

If extensive needs exist in the secondary areas, in addition to our recommendations, we may also refer you to an appropriate professional such as an accountant, estate-planning attorney, or insurance professional.

What would these services cost?

All of these services are covered according to the fee schedule below. Fees are assessed on a quarterly basis (every 3 months).

Fee Schedule:

Silver Maple Financial is a fee-only (not fee-based) financial advisor.  The advisory fee is based on your total account value.  For accounts with assets that total less than $25,000, the quarterly fee is $150.  As assets increase, the fee increases at a gradually decreasing rate as shown:

Assets Under Management                                  Quarterly Fee Increase
Up to $500,000..............................................    $25 for every additional $25,000 in assets (0.40%)
$500,000 to $2 million....................................    $25 for every additional $50,000 in assets (0.20%)
Above $2 million............................................    $25 for every additional $100,000 in assets (0.10%)

Assets Under Management

Quarterly Fee

Assets Under Management

Quarterly Fee

Assets Under Management

Quarterly Fee
$24,999 or less
$150
$500,000 - $549,999
$650
$1,500,000 - $1,549,999
$1150
$25,000 - $49,999
$175
$550,000 - $599,999
$675
$1,550,000 - $1,599,999
$1175
$50,000 - $74,999
$200
$600,000 - $649,999
$700
$1,600,000 - $1,649,999
$1200
$75,000 - $99,999
$225
$650,000 - $699,999
$725
$1,650,000 - $1,699,999
$1225
$100,000 - $124,999
$250
$700,000 - $749,999
$750
$1,700,000 - $1,749,999
$1250
$125,000 - $149,999
$275
$750,000 - $799,999
$775
$1,750,000 - $1,799,999
$1275
$150,000 - $174,999
$300
$800,000 - $849,999
$800
$1,800,000 - $1,849,999
$1300
$175,000 - $199,999
$325
$850,000 - $899,999
$825
$1,850,000 - $1,899,999
$1325
$200,000 - $224,999
$350
$900,000 - $949,999
$850
$1,900,000 - $1,949,999
$1350
$225,000 - $249,999
$375
$950,000 - $999,999
$875
$1,950,000 - $1,999,999
$1375
$250,000 - $274,999
$400
$1,000,000 - $1,049,999
$900
$2,000,000 - $2,099,999
$1400
$275,000 - $299,999
$425
$1,050,000 - $1,099,999
$925
$2,100,000 - $2,199,999
$1425
$300,000 - $324,999
$450
$1,100,000 - $1,149,999
$950
$2,200,000 - $2,299,999
$1450
$325,000 - $349,999
$475
$1,150,000 - $1,199,999
$975
$2,300,000 - $2,399,999
$1475
$350,000 - $374,999
$500
$1,200,000 - $1,249,999
$1000
$2,400,000 - $2,499,999
$1500
$375,000 - $399,999
$525
$1,250,000 - $1,299,999
$1025
$2,500,000 - $2,599,999
$1525
$400,000 - $424,999
$550
$1,300,000 - $1,349,999
$1050
$2,600,000 - $2,699,999
$1550
$425,000 - $449,999
$575
$1,350,000 - $1,399,999
$1075
$2,700,000 - $2,799,999
$1575
$450,000 - $474,999
$600
$1,400,000 - $1,449,999
$1100
$2,800,000 - $2,899,999
$1600
$475,000 - $499,999
$625
$1,450,000 - $1,499,999
$1125
Etc...
Etc...

Fee Discussion/Rationale

The amount of investment management fees paid is based on the assets under management. A smaller account typically has less overall complexity and requires fewer options in order to be managed well. A larger account is typically more complex and also has more options that may be prudent to consider in order to manage it well.

However, while the amount of fees is higher for larger accounts, the effective fees, as a percentage of assets, are actually smaller. This represents efficiencies of working with larger accounts. These efficiencies increase as the amount under management increases. We feel it is therefore prudent, fair, and in your best interest, that the fees as a percent of assets be smaller for larger accounts.

Even with larger accounts, many other advisors cannot compete with the low effective percentage that Silver Maple Financial’s fees represent as a percent of assets. Bottom-line, we offer you expert management and customer service at a price that gives you a superior value, and most-importantly, is consistent with your best interests.




















































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