Helping you make smart financial decisions

Fee Overview

At Williams Wealth Management, we provide comprehensive financial planning and advisory services tailored to help you achieve your financial goals. Your investment portfolio is the foundation of your financial plan, and our management ensures it supports your broader objectives. Our primary compensation comes from an Asset Under Management (AUM) fee, which not only covers the management of your investment portfolio but also acts as a retainer for our full suite of financial planning services. This integrated approach aligns our interests with yours, incentivizing us to grow your portfolio while delivering cohesive support across all aspects of your financial life.

The AUM fee is a percentage of the total value of the investment accounts we manage directly for you. It applies to the following account types:

• IRA

• Roth IRA

• Trust accounts

• Brokerage accounts

• Solo 401(k) (for self-employed individuals)

Note: Current employer 401K accounts and 529 accounts are not included in this fee, though we can provide guidance on these as part of our holistic services.

Our fee structure is tiered, meaning the percentage decreases as your total household portfolio value increases. This ensures our services remain cost-effective as your wealth grows. The fee is calculated based on the aggregated value of all your household accounts under our management—not on a per-account basis. We determine the applicable fee percentage using your total portfolio value, then allocate it proportionally to each account. The fee, quoted as an annual rate, is deducted monthly by the account custodian, Charles Schwab, at 1/12 of the annual rate based on your portfolio’s value at month-end.

As a fee-only fiduciary, we are dedicated to acting solely in your best interest. We do not sell commission-based products like insurance or annuities, nor do we have affiliations with mutual fund companies that could influence my recommendations. Instead, we primarily use low-cost Vanguard ETFs to minimize your investment expenses, ensuring more of your money works toward your financial goals.

If you do not have a portfolio for us to manage but still want to benefit from our financial planning expertise, we offer a monthly subscription service. This provides access to advice on retirement planning, tax strategies, and other financial matters, conveniently paid via debit or credit card.