SEM Investment Management Fee
- Max fee: 1.125%
- Daily and monthly monitoring of your portfolio
- Access to lower cost investment options
- Proprietary Portfolios that play Offense and Defense
- Portfolio diversification
- Working with advisor to create a risk efficient investment portfolio
- Frequent communication with your advisor
- Protection of downside market risk
- Economic & Investment Information via Quarterly Newsletter
- Handling of contributions, withdrawals and distributions
- Create Investment Policy Statement for the client & advisor
Financial Advisor Fee
NOTE: some advisors may charge flat rates for some of these services or may not offer all of them
- Max fee: 1.125%
1. Initial Development of your customized plan
- Savings & Budget Goals
- Taxes & Estate planning
- Retirement Income Planning
- Determine Investment Objectives, Risk Tolerance, & time horizon
2. Implementation of Plan
- Tax Management
- Select Investment Solutions
- Monitoring / Reviewing all of the above periodically
- Behavior modification (help avoid emotional decisions)
3. Other customized services
- Retirement transitioning
- Social Security/Medicare/Pension assistance
- Insurance protection planning
Custodian (Axos) Fee
- Max fee: 0.12% (historically this has averaged less than 0.10%/yr.)
- Access to over 8000 mutual funds & ETFs that SEM can choose from without any transaction fees
- Unlimited trading
- Real-time internet access to account information
- Tax Reporting (1099s, 5498, Cost Basis, 8949) with electronic downloads of data for CPA
- Quarterly custodian statement either paper or electronic
- Required Minimum Distribution Calculations for Clients over the age of 70.5
- ACH Withdrawals and Check processing