Transparent, Fee-Only Pricing
No hidden costs. No surprises.
As a fiduciary fee-only firm, Vineyard Wealth Group is compensated entirely by you, not by product manufacturers, fund companies, or referral arrangements. That means every recommendation we make is free from the conflicts of interest that exist in commission-based models. You see exactly what you pay. Nothing is hidden in fund expenses or annuity spreads.
Our comprehensive relationship includes more than investment oversight. Clients receive coordinated tax planning and preparation, estate planning coordination with document creation through Wealth.com, and ongoing financial guidance as your life changes. The tiered fee schedule below reflects the full scope of that relationship, not just portfolio management.
We also believe pricing should not be a barrier to good advice. We have no minimum account size. Our standalone financial planning option exists for clients who do not need investment management but want a rigorous, personalized financial plan.
Pricing and Services
Comprehensive Portfolio Management
We provide ongoing investment management and coordinated financial planning with tiered pricing based on assets under management. This relationship includes investment oversight, tax planning and preparation, estate planning coordination with document creation through Wealth.com, and ongoing guidance tailored to your needs.
Billing and What’s Included
Answers to two questions we hear often. The specific terms of any engagement are set out in our Comprehensive Portfolio Management Agreement and Form ADV Part 2A.
Does the advisory fee include tax planning and preparation?
Yes. For Comprehensive Portfolio Management clients, tax planning and preparation of personal income tax returns are included in the advisory fee, with no separate charge. We’ll confirm the scope of tax services for your situation before you sign your agreement.
Other costs are separate from our advisory fee and are not paid to VWG. These include the expenses of the mutual funds and ETFs in your portfolio, which vary by fund and are described in each fund’s prospectus, and any account, transaction, or service fees charged by Schwab. Annuity accounts managed at Nationwide carry a separate 0.50% annual advisory fee in addition to the annuity contract’s own expenses. Our Form ADV Part 2A describes these costs in more detail.
How often are fees billed?
Fees are billed quarterly in arrears, meaning after each quarter ends. The fee is based on the average daily value of your managed accounts during the quarter, using the tiered schedule above, and is typically deducted during the first week of the following quarter. If your accounts are opened partway through a quarter, the first fee is prorated for the days they were managed.
Each quarter you’ll receive a billing summary showing your average balance, the rates applied, and how the fee was allocated across your accounts. Fees are deducted directly from your accounts at Schwab under the authorization in your agreement and appear on your Schwab statements. Schwab does not verify the fee calculation, so we encourage you to review each billing summary.
Specialized and Project Pricing
While investments, tax planning and preparation, and estate planning form the foundation of our work, we also provide guidance across other areas of your financial life as needs arise.
Cash and Fixed Income Management
For clients focused on cash reserves and short-term fixed income. We manage money market funds, CDs, and U.S. Treasuries with a flat annual fee.
Financial Planning Only
For clients seeking standalone financial planning. We offer one-time plans based on complexity and scope.
Annuities Advisory
Flat rate billed on annuity assets custodied with Nationwide. Annuity assets are not aggregated with non-annuity assets for purposes of determining the tiered fee schedule. Billed separately from Comprehensive Portfolio Management assets.
Nonprofit Pricing
We offer reduced pricing for qualified Island-based nonprofit organizations. Please contact us to discuss eligibility and scope.
Minimums
A minimum annual fee of $1,000 applies for ongoing financial guidance.
Ready to simplify your financial life?
Schedule a free, no-pressure consultation with Grant at our Vineyard Haven office or by phone.
We'll review your situation and give you honest guidance on whether working together makes sense.