Services & Fees
Simple, Transparent, and Fair
You deserve to know what your advisor charges and why. Our fee structure is published here because we believe clarity about cost is a prerequisite for trust.
Planning and Investing, Together
Our clients get the most value when financial planning and investment management work together. A financial plan without portfolio implementation is incomplete, and a portfolio without a plan behind it is just guessing. That is why every client relationship includes both.
For most investment management clients, the planning fee is waived entirely. The details are outlined below.
Financial Planning Fee
Our approach to Fees: Simple, Transparent, and Fair
First Year Onboarding
$3,600 or $900 quarterly
Your first year includes a comprehensive financial plan covering retirement planning, cash flow analysis, asset allocation, education planning, estate plan review, tax efficiency guidance, and insurance review. We meet regularly throughout the year to keep your plan on track.
This fee covers financial planning and high-level investment strategy. Ongoing portfolio management and trade execution are included when assets are managed through our firm.
Ongoing Planning
$5,000 or $1,200 quarterly
After your first year, ongoing planning continues at $5,000 annually. This includes the same comprehensive planning services: regular review meetings, updated projections, and continued guidance as your life evolves.
For clients who prefer financial planning without investment management through our firm, we can discuss a custom fee arrangement.
Fee Waiver
$0 when thresholds are met
When you invest with us, your planning fee decreases as your managed assets grow.
$250k+ Assets:
$1,800 onboarding/$2,500 annual
$500k+ Assets:
no onboarding or annual fee
Certain limitations and exclusions may apply at the discretion of Bergenn Financial Group.
Asset Management Fees
Diversified Model Portfolios
Broadly diversified portfolios built using ETFs, stocks, bonds, and other securities. Each portfolio is aligned with your risk tolerance, time horizon, and tax situation, with occasional tactical adjustments when conditions warrant. We can also tailor portfolios around existing holdings, concentrated positions, or other individual circumstances.
Assets Fee
Up to $1MM 1.000%
$1MM - $2MM 0.900%
$2MM - $3MM 0.800%
$3MM - $5MM 0.700%
$5MM - $10MM 0.600%
$10MM - $20MM 0.500%
Above $20MM 0.400%
Tactically Traded Portfolios
These portfolios are built around the macroeconomic, fiscal, and geopolitical analysis described in our investment approach. Rather than tracking a traditional index, they are actively positioned around structural trends and adjusted as conditions evolve. This approach involves more frequent trading and may include alternative asset classes. It is designed for clients who are comfortable with higher volatility in pursuit of higher potential returns.
Assets Fee
Up to $1MM 1.500%
$1MM - $2MM 1.350%
$2MM - $3MM 1.200%
$3MM - $5MM 1.050%
$5MM - $10MM 0.900%
$10MM - $20MM 0.750%
Above $20MM 0.600%
Preservation Only Accounts
For clients whose primary goal is protecting their capital, these portfolios aim to minimize price fluctuation, keep pace with inflation, and outperform a money market or high-yield savings account. They are monitored on an ongoing basis but not traded frequently.
Assets Fee
Up to $5MM 0.500%
Above $5MM 0.400%
Questions About Fees?
We are happy to walk through our fee structure in detail during a complimentary consultation. No surprises, no fine print.