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Pricing

A transparent fee structure.

As a fee-only fiduciary, we’re paid only by our clients: a flat monthly fee for financial planning, and a percentage of the assets we manage for investment management.

Many advisors receive compensation you never see. We don’t.

No commissions, fund loads or trails, revenue sharing, or payments from product companies.

What are you looking for?

Many clients work with us on both: a coordinated financial plan and the portfolio that fits it.

Showing Ongoing Financial Planning and Investment Management.

Ongoing Financial Planning

Comprehensive advice

$250 Flat monthly fee

  • Upfront, comprehensive financial plan
  • Two Rhythm Check meetings a year once your initial plan is delivered, scheduled when it suits you
  • Ongoing access to your financial planner as life happens
  • Client portal access

Proactive planning strategies across:

  • Goal & retirement planning
  • Tax planning
  • Estate planning
  • Cash flow planning
  • Investment planning
  • Education & college planning
  • Risk management & insurance
  • Employee benefits

Investment Management

Added to Ongoing Financial Planning

0.55% Annual AUM fee

On all managed assets.

  • No asset minimum
  • Managed in coordination with your financial plan
  • Diversification across and within asset classes
  • Tax-awareness across accounts — asset location and gain/loss management
  • Evidence-based portfolio construction
  • Ongoing monitoring and rebalancing
  • Someone to meet with when markets move
  • Performance reporting in your client portal

Investment Management-Only

Without Ongoing Financial Planning

0.95% On the first $500,000

0.55% On assets above $500,000

$3,000 annual minimum fee.

  • Add Ongoing Financial Planning any time, and investment management moves to 0.55% on all managed assets
  • Two Rhythm Check meetings a year, scheduled when it suits you
  • Diversification across and within asset classes
  • Tax-awareness across the accounts we manage — asset location and gain/loss management
  • Evidence-based portfolio construction
  • Ongoing monitoring and rebalancing
  • Someone to meet with when markets move
  • Performance reporting in your client portal

What does Circadia charge?

Ongoing Financial Planning is a flat $250 a month. Investment Management added to planning is 0.55% a year on the assets we manage, with no minimum. Investment Management on its own is 0.95% a year on the first $500,000 and 0.55% above that, with a $3,000 annual minimum fee.

Not sure which is right for you? Let’s talk it through.

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