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Adviser Financial Group is a fee-only financial advisory firm dedicated to helping our clients achieve their life goals through the proper management of their financial resources.
We typically provide one or both of the following services for our clients depending upon their needs:
Financial Planning Services: We design a customized financial plan for you based upon your unique circumstances that address the following issues:
- Financial Independence: Through a series of financial models we are able to illustrate various "what if" scenanrios for your financial future; When can I retire? How much can I spend during retirement?, What impact will college education costs, inflation, or investment returns have on my financial future?
- Investment Planning: We prepare an asset allocation analysis to help determine how your investments should be allocated to help you accomplish your goals and objectives while taking the least amount of risk. We also make specific investment recommendations (supported by independent research reports) and develope a "road map" for you to follow in the future.
- Estate Planning: Although we are not attorneys, we work with you to explain current estate planning laws. In addition, we ensure that your beneficiary designations are appropriate, that the proper person owns the proper assets, that you own the proper amount and type of insurance, etc. If any legal work needs to be done we can either work with your current attorney or recommend an independent local attorney.
- Miscellaneous Planning: Depending on your circumstances, we may also help you with anything from tax planning, IRA distributions, gifting strategies, debt restructuring, cash flow management, etc.
Our fee for financial planning services is dependent upon both the complexity of your financial situation and the amount of time it will take to complete the project. After an initial meeting we estimate the amount of time it will take to gather data, run the analysis, analyze the results and present the plan. Typically our financial planning fees run between $1,250 and $3,000 for the first year depending on the amount of work involved. We collect one-half of the fee up-front and the remainder in six months. All investment advisory services performed during the first year are included in the financial planning fee.
Investment Advisory Services: We actively advise our clients on a non-discretionary basis utlizing no-load investments. In addition, we receive daily electronic pricing, transaction, and account balance information on the Mayo Fidelity 403b, Olmsted Medical Center 401k, and the ISD# 535 403b plans and coordinate these employee retirement plans with your personal investments held elsewhere. Our services include:
- On-going asset allocation review to ensure that your portfolio is positioned properly.
- Portfolio construction. Once you authorize us to proceed we complete all of the necessary paperwork for you to authorize the purchase, sales, transfer, etc. of your investments and monitor the process to ensure that it is completed properly.
- On-going investment evaluation to help ensure that your investments are perfroming as well or better than their peer group.
- Monthly performance reports and customized portfolio reviews to allow you to chart your progress going forward.
The annual fee for our investment advisory service is based on the aggregate balance of all client and client family accounts accepted by Adviser and are subject to a minimum annual billing of $750. In addition we normally limit our annual investment advisory fee to a maximum annual billing of $1,750 unless circumstances warrent a higher fee. Annual advisory fees are calculated and billed according to the following schedule:
$500 + (Total Investments X .0025)
Fee Examples
| Investments |
Annual Fee |
% Fee |
| $300,000 |
$1,250 |
.42% |
| $500,000 |
$1,750 |
.35% |
| $1,000,000 |
$1,750 |
.18% |
| $3,000,000 |
$1,750 |
.06% |
With most of our accounts between $300,000 and $3,000,000 and our resulting fees of between .42% to .06% of investments under management, I am confident that we can add tremendous value to your portfolio without significantly reducing your returns. If we can't then we are in the wrong business. Check out our Model Portfolio Performance
We offer a complimentary initial consultation that serves as a "get-to-know-you" session. During this informational meeting we can determine if our services would meet your needs. At the conclusion of this meeting we will quote you a fee for the services you select. In addition to the financial planning and investment advisory services fee schedules listed above, we also provide consulting on an hourly basis at the rate of $200 per hour. Contact Us now to request an introductory interview to learn more.
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