Ongoing advisory fees
Ongoing advisory begins after Keystone when the planning work moves from build mode into stewardship. The fee pays for investment management, but the relationship is really about keeping tax, retirement, business, estate, and cash-flow decisions tied to one working plan.
What the fee supports
The schedule is public because costs should be clear. The value comes from the work the fee makes possible: year-round planning ownership, decision support, and coordination when money decisions overlap.
What you are paying for
The advisory fee is easiest to understand when it is tied to the work it supports: keeping the plan alive after the initial Keystone engagement, and making sure the next decision is not made in a vacuum.
A plan that stays alive
The plan is not filed away after Keystone. Ongoing advisory keeps tax windows, portfolio risk, retirement income, business decisions, and family priorities visible as the facts change.
Decisions with context
The portfolio is managed around the tax return, cash needs, withdrawal sequencing, concentrated risk, business income, estate intent, and what the money is actually supposed to do.
Follow-through
Ongoing advisory gives recurring decisions a rhythm: what to review, what to update, what to coordinate with other professionals, and what can safely wait.
The fee schedule
First $2M
Applied to managed assets up to $2,000,000
Next $2M
Applied to managed assets from $2,000,001 to $4,000,000
$4M-$10M
Applied to managed assets from $4,000,001 to $10,000,000
Above $10M
Scoped around household complexity, service needs, and fit
Transparency in dollars
The calculator is here so the fee does not have to be guessed at. The schedule is tiered, so the first dollars are billed at the first bracket and later dollars are billed at lower brackets.
Managed assets
$5,000,000
Blended rate curve
The 1.05% reference is a public human-advisor AUM benchmark cited by WSJ Buy Side from Envestnet data. It is included as context only; advisory relationships vary meaningfully in scope, planning depth, conflicts, and service model.
The target-market lens
A lower fee can still be expensive if the work does not address the decisions that actually move the plan. A higher fee can be hard to justify if all it buys is a portfolio and a meeting. The right comparison is fee, scope, complexity, and follow-through together.
Retirement transition
For pre-retirees and new retirees, the work is often Social Security timing, Roth conversion windows, withdrawal sequencing, Medicare and IRMAA, beneficiary cleanup, and keeping portfolio risk tied to the income plan.
Business owner household
For owners, ongoing advisory often means coordinating owner pay, retirement plan design, estimated taxes, business cash flow, entity decisions, succession questions, and the family plan around the same facts.
Complex wealth
For families with concentrated positions, inherited assets, charitable intent, estate questions, multiple accounts, or several professionals involved, the work is keeping decisions aligned instead of scattered.
What the fee covers
Some firms include broad planning with investment management. Some do not. When comparing fees, ask what work is included, how often the plan is refreshed, and who owns the follow-through when tax, legal, business, and investment decisions overlap.
Portfolio design, rebalancing, tax-aware allocation, cash needs, risk alignment
Roth conversion pacing, capital gains, charitable strategy, withdrawal order, year-end decisions
Distribution sequencing, Social Security, pension elections, Medicare thresholds, spending stress tests
Owner compensation, entity-level cash flow, retirement plans, estimated taxes, exit-readiness
CPA, attorney, custodian, insurance, employer benefits, beneficiary and estate-document follow-through
This page is intended as a plain-English summary of Talley Wealth's ongoing advisory fee schedule. Actual fees, services, billing terms, conflicts, and limitations are governed by the advisory agreement and current disclosure documents.
Advisory fees are separate from underlying investment expenses, fund expense ratios, custodian fees, product costs, tax preparation fees, legal fees, and other third-party professional fees unless specifically stated otherwise.
References to public industry benchmarks are included for general comparison only. Advisory firms vary widely in services, minimums, investment approach, planning depth, credentials, conflicts, and client experience.
