Our Approach to Fees
Transparent, Fiduciary-Focused Fees
No Hidden Costs — Ever
At Atlas Benefits Advisor, we prioritize clear, client-paid fees and full fiduciary duty — always putting your interests first.
We are primarily fee-based and fee-only in our core services: standalone financial planning and ongoing investment management.
Schedule Free Discovery Call →Our Primary Services & Fees
Designed especially for teachers, healthcare workers, first responders, nonprofit employees, families, and retirees.
Fiduciary Financial Planning
(Standalone / Project-Based)
Comprehensive, unbiased advice without ongoing management. Full fiduciary standard. Quarterly progress reviews included.
One-Time Comprehensive Financial Plan
Flat fee: starting at $2,500 (quoted after discovery call; based on complexity)
- Detailed review of 401(k), 403(b), 457(b), pensions, IRAs, & retirement accounts
- Tax optimization, Social Security & retirement income withdrawal strategies
- Insurance & risk management review
- Investment policy & asset allocation guidance
- College funding, estate planning, and business succession assessment
- Personalized written plan with clear action steps
Payment: 50% at engagement, 50% upon delivery (typically 60–90 days).
Hourly or Targeted Consulting
$275 – $375 per hour (most sessions 1–3 hours)
Perfect for specific needs like 403(b) rollover analysis, debt review, or benefit election timing.
No AUM requirement. Ideal for conflict-free planning once or occasionally.
Ongoing Fiduciary Investment Management
Continuous portfolio oversight, rebalancing, and integrated advice. Full fiduciary duty. Annual to quarterly reviews included.
Tiered Annual Fee Schedule (AUM)
| Assets Under Management | Annual Fee Rate | Example Blended Rate |
|---|---|---|
| First $1,000,000 | 1.00% | 1.00% |
| Next $1,000,000 ($1M–$2M) | 0.80% | ~0.90% on $2M |
| Next $3,000,000 ($2M–$5M) | 0.65% | ~0.78% on $5M |
| Over $5,000,000 | 0.50% or lower | Custom |
Examples:
- $750,000 portfolio ≈ $7,500/year (1.00%)
- $2.5M portfolio ≈ $21,000/year (~0.84% effective)
Minimum: $300,000 AUM (flexible for existing planning clients)
Annual minimum fee: $3,500 (may be partially offset first year with plan)
Billing: Quarterly, based on end-of-quarter value. Deducted from account and shown clearly.
Included: Portfolio construction/monitoring, tax-loss harvesting, quarterly reviews, unlimited email/phone support, plan updates, 403(b)/pension integration.
Separate Costs: Fund/ETF expense ratios (typically 0.25%–0.85%) and custodial fees — all disclosed upfront.
Limited Additional Option: Transactional Services
For select one-off needs (e.g., specific insurance policies or non-managed trades), we may offer commission-based options under a suitability standard.
Compensation comes from product providers and is fully disclosed upfront (e.g., life insurance ~50% of first-year premium; annuities 1%–6%).
We use this sparingly and only when it best serves your situation. Most clients prefer our fiduciary fee-based services.
See our Form ADV/CRS for complete disclosures.
Key Notes
- ✔ Fiduciary Commitment — Applies fully to planning and investment management
- ✔ No Hidden Fees — All costs explained before engagement
- ✔ Questions? Call 631-389-2358 or book below
Take the First Step — No Obligation
Let’s discuss your goals in a free 45–60-minute discovery call.
Book Free Discovery CallOr call: 631-389-2358
Working with a Financial Professional
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