Estate & Retirement Strategies LLC
Estate & Retirement Strategies (ERS) provides financial planning and investment management services. Financial planning includes data gathering, goal setting, budget analysis, insurance review, and estate planning overview. ERS also offers investment management services, typically through third-party investment managers, but may manage assets directly. ERS specializes in working with business owners, professionals, and clients who are divorced, widowed, or retired.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.50% |
The Annual Fee is billed at the end of each quarter or month. The quarterly fee is the sum of the monthly fees for the three previous months. The monthly fee is calculated by multiplying the asset under management balance at the end of the month by the annual fee, and then prorating the result by the number of calendar days in the month. The Investment Management Service fee for assets coming under advisement during the year is prorated for the first month. ERS may offer Clients Financial Planning Services and Investment Management Services at a negotiated combined fee lower than the fees ERS would charge for each service if provided separately. Fees for Fixed and Index Annuity Advice: Annual Fee up to 1.35%