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A Nationwide Network of 100% Independent & 100% Objective Fee-Only Financial Advisers

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Your independent Fee-Only Financial Adviser will charge fees based on the level of service you seek.  The following is a guideline to follow:

Managed Accounts
Money management accounts are charged an annual fee equal to 1% of managed assets.  For example, if your account size is $100,000 - your annual fee will be equal to $1,000. Accounts over certain amounts are sometimes eligible for reduced rates.

Financial planning services
Financial planning service fees are driven by the complexity of your own individual situation. Fees generally range from $250 to $3,000. Financial plans generally cost $1,000 to $3,000. We can work with you on-line or by the phone. If you desire face-to-face services, we will refer you to one of our affiliated Fee-Only advisers.

The following is list of frequently asked questions that you should ask your Financial Adviser:

What do you mean by Fee-Only advice?
There are a variety of other compensation agreements under which a financial adviser is paid directly or indirectly by someone other than the client for recommending or referring a products or service. The more common compensation methods include:
  • Commissions
  • Referral fees
  • Fee offset arrangements
  • Other indirect compensation or "soft-dollar compensation" 

The Independent Adviser Corporation provides referrals to independent Fee-Only Certified Financial Planners or Certified Public Accountants. We  define Fee-Only as an individual CFP or CPA who offers individual investors money management based on a percentage of assets or based on an hourly fee. In certain cases, a commissioned based approach is appropriate because a certain investment product may be most appropriate (e.g. Life Insurance) and can only be sold by charging a commissioned broker. If this is the case, we can assist you with reviewing quotes and selection of a licensed professional. Your Financial Adviser will provide you with complete details regarding your Fee-Only relationship.   

Do you earn "Soft Dollar Compensation?"
Your investment manager may obtain research services, referral of new clients, use or receipt of technology including software and hardware, and use or receipt of other services and products, from third party companies which may be the same companies that they recommend you use or invest in. These are referred to in the financial securities industry as "soft-dollar" compensation agreements.

Soft-dollar compensation can be abused by financial advisers who claim to be "Fee-Only" or "Fee-Only." For instance, a mutual fund may award travel prizes for the financial adviser for referring the most customers. Some advisers earn significant compensation which may include rewards, purchase points, travel credits or other benefits from a third party for recommending a product or service to the client.

The Independent Adviser Corporation only accepts soft dollars that benefit our clients via reducing our cost structure and our clients fees or providing our Financial Advisers with research. For example, our custodians and broker dealers provide us with computer interfaces and computer equipment to access their systems. Mutual fund and other companies provide us with research, seminar and education material. Other companies may provide us advertising support (banner advertisements and links) that may have otherwise resulted in direct expenditures by us. In these and all cases, we acknowledge that our investment recommendation was based upon that the fact that the investment was appropriate for you and not because we received any services from said companies. 

As listed below, The Independent Adviser Company earns the below fees - none of which are derived from the recommendation or direct referrals of products or services to you:

  • Our web site, The-Adviser.com earns fees for advertising and or linking to other sites. These third party companies may or may not be the same companies that we recommend. Fees that we earn from advertising are based upon the number of visitors to our web site that view or click the advertising. In all cases, we acknowledge that our investment recommendations were based upon the fact that we believed the investment was appropriate for you and not because we received advertising from these companies. 
  • Your investment manager may obtain research services, referrals of new clients, use or receipt of technology including software and hardware, and use or receipt of other services and products from third party companies which may be the same companies that we recommend that you use or invest in. In all cases, we acknowledge that our investment recommendations were based upon the fact that we believed the investment was appropriate for you. 

If you have additional questions about our soft-dollar arrangements - we encourage you to talk to your Financial Adviser.

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