Full-Service
Wealth Management
Calculated Wealth’s Full-Service Wealth Management is for families who want integrated planning and ongoing investment management with proactive coordination across tax, estate, portfolio, and retirement decisions.
Who This Is For
- Families who want an ongoing, trusted advisor relationship.
- Those seeking investment management combined with comprehensive planning.
- Individuals who prefer proactive guidance over a one-time planning project.
- Those wanting a "financial quarterback" to coordinate directly with their CPA, attorney, and other professionals.
What We Address in Your First Year
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Comprehensive retirement-transition planning and coordinated implementation
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Tax-aware planning and coordination with your CPA or EA
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Review of estate-planning documents and coordination with your attorney
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Property and casualty insurance review
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Ongoing access for financial questions as decisions arise
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Investment management, portfolio monitoring, and rebalancing
What Continues Over Time
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Annual retirement-income and guardrails review
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Ongoing tax-aware planning
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Periodic estate-plan and beneficiary review
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Portfolio rebalancing and coordination of account cash movements
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Proactive strategy updates as your life, goals, tax situation, or markets change
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Semiannual comprehensive review meetings, plus additional conversations as needed
Fee Structure
Full-Service Wealth Management is priced as an asset-based advisory fee—a percentage of the assets we manage for you.
Assets We Manage
First $1 million
Next $2 million
Amount above $3 million
Annual Advisory Fee
1.00%
0.75%
0.50%
Fees are billed as described in your advisory agreement. This structure supports ongoing investment management, planning, coordination, and proactive guidance as your needs evolve.
Our Commitment to You
(Cancellation Policy)
- If you change your mind within the first 3 months, we will refund your fees.
- If you decide to leave later on, no further fees will be charged once our authority is removed.
Frequently Asked Questions:
How does your wealth management fee work?
Our annual fee is based on the assets we manage for you. The fee is 1.00% annually on the first $1 million, 0.75% on the next $2 million, and 0.50% on balances over $3 million. This structure allows us to provide ongoing investment management, planning, coordination, and proactive financial guidance as your needs evolve.
Are my investments safe with Charles Schwab?
Calculated Wealth does not take custody of your assets. Client accounts are held with Charles Schwab, a separate third-party custodian. Schwab provides custody and account services while we provide investment management and financial planning. This separation is designed to provide an additional layer of oversight and security for your assets.
How often will we meet?
We typically meet with clients semi-annually for comprehensive reviews, with additional conversations as needed throughout the year. Our relationship is designed to be ongoing, so you can reach out whenever financial questions or important life changes arise. We also proactively monitor your plan and investments between meetings.
What does a full-service wealth management relationship include?
Our full-service relationship goes beyond investment management. We coordinate retirement planning, tax strategies, estate planning, insurance reviews, portfolio management, and other financial decisions. We can also work directly with your CPA, attorney, and other professionals to help keep your financial strategy working together as one cohesive plan.
