Retirement - Retirement Plan & Ongoing Investment Management
Fees as low as $75/quarter ($25/month) 
(We are a fee-only, not fee-based advisory firm.)

If you are interested in getting help with your retirement investments, we would be pleased to work with you.

Retirement Investment Advisory Services form a complete package that includes:

  1. Development of a retirement investment plan
  2. Implementation of your plan
  3. Ongoing management of your retirement investments

What can I expect?

  1. A sit-down meeting is scheduled, at which the details of your retirement investments are discussed along with ideas and potential plans. We develop and refine a retirement plan to best suit you.
  2. Next, we implement the plan, which may involve establishing new accounts and/or account transfers, setting-up contribution or withdrawal schedules involving these accounts.
  3. Ongoing management of your retirement investments, including:
  • Ongoing occasional consultation as your needs dictate
  • Quarterly investment portfolio reviews and generation of investment summary statements & newsletters for you
  • Annual sit-down reviews & rebalancing of your investments.

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