Helping you make smart financial decisions

Fee Overview

At Williams Wealth Management, we provide comprehensive financial planning and advisory services designed to help you achieve your financial goals. Your investment portfolio is the foundation of your overall plan, and our management is intended to ensure it supports your broader objectives.

Our primary compensation is a portfolio management fee (a percentage of the accounts we manage for you). This fee not only covers the ongoing management of your investment portfolio but also serves as a retainer for our full suite of financial planning services. This integrated approach aligns our interests with yours by tying our compensation to the growth and stewardship of your portfolio while we deliver coordinated support across 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 schedule 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 based on the aggregated value of all household accounts under our management, rather than on a per-account basis. We determine the applicable fee, then allocate it proportionally to each managed 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 obligated to act solely in your best interest. We do not sell commission based products such as insurance or annuities, and we do not maintain compensation arrangements with mutual fund companies or product providers. Instead, we primarily use low cost, broadly diversified exchange traded funds, with a preference for Vanguard, to help keep investment expenses low so more of your money remains invested toward your long term goals.

For clients who do not have investable assets for us to manage but still wish to engage our planning expertise, we offer a separate monthly subscription service. This arrangement provides access to advice on retirement planning, tax strategies, and other financial matters, with fees conveniently paid via debit or credit card.