St. John & Associates manages investment portfolios and provides personal financial planning services to individuals, families, trusts, estates, and small businesses. St. John & Associates offers model asset allocation portfolios tailored to each client's specific financial plan, risk tolerance, and goals, utilizing a mix of individual stocks, mutual funds, exchange-traded funds, and alternative investments. The firm emphasizes a long-term approach and works closely with clients to address retirement planning, tax strategies, estate planning, cash flow management, insurance needs, and education funding. St. John & Associates requires new clients to go through an initial financial planning process before portfolio management begins. The firm primarily custodies client accounts with Fidelity Investments and works with third-party research and sub-advisors to build and monitor diversified investment strategies.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.00% |
| $500K - $1.0M | 0.80% |
| $1.0M - $2.0M | 0.60% |
| $2.0M - $10.0M | 0.40% |
| $10M+ | 0.20% |
Schedule reflects Portfolio Management Only rates. St. John & Associates also offers higher tier schedules for Portfolio Management Plus (up to 1.50%) and Full Financial Planning (up to 2.00%). Fees for assets over $10M may be negotiable.
