Todd O'flanagan

Money Concepts Advisory Service (MCAS) offers investment management services through various programs. Fees are typically a percentage of your portfolio and vary by program.

For the GPS programs, the fee is typically 2% per year, billed quarterly. There is usually a minimum quarterly fee of $62.50.

For the GPS – Retirement Plan Network, the fee is typically 1.3% per year, billed quarterly.

For the Variable Annuities program, the fees are:

• $10,000 to $49,999 — 1.8% per year
• $50,000 to $99,999 — 1.6% per year
• $100,000 to $499,999 — 1.5% per year
• $500,000 to $999,999 — 1.25% per year
• $1,000,000 and over — 1% per year

For the American Funds Class F-2 Shares program and the World Class Pension program, the fees are:

• $10,000 to $999,999 — 1.3% per year
• $1,000,000 to $2,999,999 — 1% per year
• $3,000,000 to $4,999,999 — 0.9% per year
• $5,000,000 to $9,999,999 — 0.75% per year
• $10,000,000 and over — 0.6% per year