Fee-Only Services

Placing Your Interests First

At RightPath™ Investments & Financial Planning, we offer all of our services under a “fee-only” structure. That is an important distinction from other fee structures and has specific meaning to our clients.

Reducing Conflicts of Interest, Increasing Transparency

First and foremost, a fee-only structure significantly reduces potential conflicts between your interests and those of RightPath. Commission-based planners receive compensation from their  product vendors. Fee-only planners are only compensated by the client; satisfying the client’s interest is the primary motivator.

You know precisely what you are paying for our fee-only services, whether charged hourly, as a percentage of assets under management, or as a periodic fee. Fees are stated at the outset and clearly marked on invoices and statements, unlike commissions, which can be difficult to isolate commission payments from other fees, and even investment amounts. With RightPath, you will never wonder how much your financial solutions are really costing you.

Picking from a Bigger Barrel

Our fee-only structure also allows us to use a broader range of financial solutions and providers than commission-based advisors who may be financially tied to a small selection. We are continually learning about new investment options and adding the best to our list. Our internal research,
information from our specialist colleagues and product specialist, input from your specialists, and, of  course, any research you have conducted yourself means you have access to the breadth and depth  of information you need to make the right choices.

A Penny Saved is a Penny Reinvested

When comparing similar needs, portfolios, and solutions, it is not uncommon to find that fee-only planners cost less than commission-based planners. These lower costs may be due to the elimination of commissions, lower negotiated product costs through provider competition, or other advantages to the fee-only system. Also, fee-only expenses to you are frequently tax deductible as investment advice, whereas fees associated with a particular product (e.g., commission-based fees) may not be. All of which means more of your money goes to meeting your goals.

Fee Overview

Although we use a general fee scale for most clients, we incorporate a significant amount of flexibility—including some sliding scales, that allow us to customize our fees uniquely to you. Please contact our office for specific rates or see our ADV under “The Fine Print.

  • Financial Planning: hourly rates or fixed project fees.
  • Investment Management
    • Ongoing Services: generally a percentage of investments under management.
    • Investment Consultation Services: hourly rates or fixed project fees.
  • Wealth Management: hourly rates, fixed project fees, or quarterly or annual fees.

A Note About Commission-Based Products: RightPath Investments & Financial Planning, Inc.will facilitate the purchase of commission-based products from reputable providers when such products are deemed the most appropriate solution for specific needs. In such cases, we monitor the product’s continued applicability to your situation and the level of commission you pay to the third-party provider. However, RightPath does not charge commissions for any services and we do not receive a portion of the commission charged by the third-party provider.