Future You Wealth is a fee-only fiduciary; we do not earn commissions for selling third party products and are legally obligated to act in the best interest of our clients. Our fee structure is based on the assets managed by us on our clients' behalf. Fees are calculated quarterly in arrears and are withdrawn directly from client investment accounts.
We believe that average fees in the market are stretched given the increased efficiency enabled by technology, so we've built our fees bottom up on a first principle basis to be sustainable both for our clients and our business for the long term. We pride ourselves on delivering a leading level of service at a lower price point to the average fees in the market, thereby providing market leading value to our clients.
Our fees, based on the amount of assets we manage for a client, are as follows:
| Assets Under Management | Annual Fee |
|---|---|
| <$500,000 | 0.9% |
| $500,000 - $999,999 | 0.8% |
| $1,000,000 - $2,499,999 | 0.7% |
| $2,500,000 - $4,999,999 | 0.6% |
| $5,000,000 - $9,999,999 | 0.5% |
| >$10,000,000 | 0.4% |
The above fees are more than 30% below the market average published by AdvisoryHQ. This discount is no indication of an inferior service provision, however; it is one of the core tennets of value creation for our clients. High touch service at a low fee is our goal! This is made possible by:
- A highly qualified team (covering all of CFA®, CPA and CFP®, with four master's degrees between us) who do the full wealth advisory service end-to-end, leaning on one another where required, without requiring expensive support staff or supplementary specialists on staff,
- Use of leading technology solutions which add signficant quality and efficiency to the service in both planning and investing,
- Working primarily over Zoom, therefore not having to travel long distances to clients, adding to our efficiency at work, and
- Sourcing new clients exclusively from referrals and online lead aggregators thereby saving signficant sales time through not chasing open leads across the country.
We believe there will be significant fee consolidation across the industry, and we have built a sustainable business ahead of that curve.
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