Our Simplified Approach
Simple. Personal. Integrated.
Integrating Your Values with Your Wealth Strategies
What matters to you, matters to us.
The first step in our integrated approach is an in-depth discovery meeting in which we’ll explore what’s most important to you in life. This enables us to integrate and align your values with a personalized, tax-efficient financial plan. Our goal is to help your financial plan, so it not only reflects your current priorities but also evolves with your changing circumstances, so you can work toward your goals and aspirations with confidence.
Discovery First
Aligning Your Values With Your Financial Plan
We start with an in-depth discovery conversation designed to uncover your values, goals, and life priorities. Whether your focus is retirement, education, business growth, or leaving a legacy, we align your financial plan to reflect what’s most important to you—not just your balance sheet.
Turning Goals Into Strategy
Making Your Plan Clear and Actionable
Most people don’t think in financial terms—they think in life goals. We help translate those aspirations into clear, time-based strategies that reflect your resources, risk tolerance, and desired timeline. From building wealth to planning retirement income, we ensure each step moves you closer to the life you want.
Bridging the Gap
Connecting Today and Tomorrow
Our planning process is designed to be approachable, not overwhelming. We’ll assess your current financial position, identify opportunities for improvement, and create a proactive strategy to help you reach your goals. By simplifying complexity, we help you move forward with confidence.
Transparent Costs
Confidence in What You're Paying For
We believe in transparency. That’s why we clearly outline our fees so you understand how each service is structured and billed.
- Asset Minimum: $500,000
- Fees charged as a percentage of assets under management (AUM)
Cost Schedule
Investment Advisory Services Fee Schedule for Strategic and Tactical Portfolios (myAdviceArchitect)
The following cost schedule applies exclusively to Investment Advisory Services and does not apply to Financial Planning & Consulting fees.
Active Strategic Portfolios
| Advisor Cost | % |
|---|---|
| Up to $1M | 1.0000% |
| $1M–1.2M | 0.8000% |
| $1.2M–2M | 0.7000% |
| $2M–2.5M | 0.6000% |
| $2.5M–3.5M | 0.5000% |
| $3.5M–5M | 0.4500% |
| $5M–10M | 0.4000% |
| Above $10M | 0.2500% |
| Program Cost | % |
|---|---|
| Up to $750K | 0.13% |
| $750K–1.5M | 0.12% |
| $1.5M–2.5M | 0.11% |
| $2.5M–5M | 0.09% |
| Above $5M | 0.07% |
Active Tactical Portfolios
| Advisor Cost | % |
|---|---|
| Up to $100k | 1.0000% |
| $100k–250k | 0.9500% |
| $250–500k | 0.9000% |
| $500k–750k | 0.8500% |
| $750k–1M | 0.8000% |
| $1M–2.5M | 0.5000% |
| $2.5M–3.5M | 0.3500% |
| $5M–10M | 0.3000% |
| Above $10M | 0.2500% |
| Program & Manager Cost | % |
|---|---|
| $0-250k | 0.425% |
| $250k-500k | 0.395% |
| $500k-750k | 0.345% |
| $750k-1.5M | 0.295% |
| $1.5M-$3M | 0.245% |
| Above $3M | 0.225% |
Cetera is under separate ownership from any other named entity. Tax services offered through Montage Wealth Advisors. Cetera does not provide tax or legal advice. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Advisory Services Agreement and disclosure brochure as provided. Please refer to the firm's ADV part 2A and the clients agreement for additional platform, strategist or related fee that may apply. Clients in Manager or Unified programs will pay a Manager Fee, based on the selected Manager.