Transparent, Fee-Only Pricing Structure

Simple, fully transparent pricing with zero commissions, zero hidden costs, and complete alignment with your financial success.

How Advisory Compensation Impacts Your Portfolio

  • Not all financial advisors structure their compensation the same way.

  • The manner in which your advisor is paid directly shapes the recommendations they make.

  • Operating strictly as a fee-only firm, Schroeder Capital Management receives compensation exclusively from our clients—never from product issuers or third parties.

The Single-Advisor Gap vs. Schroeder Capital's Approach

Conventional

  • Commissions & Product Sales: Traditional brokers often receive upfront sales commissions, ongoing 12b-1 distribution fees, or revenue-sharing kickbacks for selling proprietary funds and insurance products.

  • Hybrid Models: "Fee-based" advisors may charge advisory fees while still accepting third-party commissions on select products, creating hidden conflicts of interest.

Schroeder Capital Approach

  • Schroeder Capital Management (Fee-Only): Direct, transparent compensation paid solely by you. Zero commissions, zero 12b-1 fees, zero referral kickbacks, and zero proprietary product markups.

  • Over a 20 to 30-year retirement horizon, avoiding layered product fees and high fund expense ratios can keep hundreds of thousands of dollars compounding directly in your portfolio rather than disappearing into intermediaries' pockets.

Our Flexible Fee Options

We offer flexible fee arrangements tailored to the scope and complexity of your financial situation:

1. Percentage of Assets Under Management (AUM)

For clients seeking integrated, ongoing investment management, tax strategy, and comprehensive financial planning:

  • Structured as a tiered percentage based on total assets under management.

  • Includes continuous portfolio management, tax-loss harvesting, asset location, and multi-year tax planning.

  • As your assets grow, fee tiers step down automatically, aligning our goals with your portfolio's growth.

    • Up to $5,000,000: 1.00%

    • $5,000,001 – $10,000,000: 0.90%

    • Above $10,000,000: 0.80%

2. Fixed Flat-Fee Engagements

For clients requiring specialized, defined-scope planning:

  • Clear, upfront fixed project fees tailored to complex scenarios such as business succession, executive equity compensation modeling, or pre-retirement blueprints.

  • Delivers a comprehensive roadmap without requiring ongoing asset management.

3. Hourly Advisory Services

For targeted, topic-specific guidance:

  • Straightforward hourly rates for episodic reviews, second opinions on existing allocations, or specific tax modeling consultations.

What Is Included in Our Services

Unlike firms that bill separately for financial planning, investment management, and tax prep, our integrated approach bundles key disciplines together:

  • Comprehensive Financial Planning: Cash flow modeling, retirement drawdowns, Social Security timing, and risk management.

  • Tax-Aware Asset Management: Low-cost index fund portfolios , tax-loss harvesting, and bracket-aware rebalancing.

  • Tax planning: Multi-year projection modeling. We coordinate with your accountant. We do not say the return is included in the fee.

Frequently Asked Questions

  • What does "fee-only" mean? Fee-only means our firm receives compensation exclusively from client fees. We do not accept commissions, sales incentives, revenue sharing, or referral bonuses from third parties.

  • Are there any hidden costs or fund surcharges? No. We utilize low-cost, unbundled ETFs and index funds without markup or proprietary fund fees. Custodial trading fees (if any) are paid directly to independent custodians like Charles Schwab.