Retirement Collaborative LLC provides retirement plan consulting to businesses, investment management to individuals and institutions, and wealth management services. The firm uses a four-step process to help clients with their financial goals. For retirement plans, they assist with plan design, fee disclosure, investment selection, and participant education. For individuals, they offer investment strategies and ongoing wealth management services, including retirement planning, estate planning, and insurance reviews.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $10K | 1.50% |
| $10K - $50K | 1.00% |
| $50K - $250K | 0.95% |
| $250K - $500K | 0.90% |
| $500K - $1.0M | 0.80% |
| $1.0M - $2.5M | 0.70% |
| $2.5M - $5.0M | 0.50% |
| $5.0M - $10.0M | 0.30% |
| $10.0M - $20.0M | 0.20% |
| $20M+ | 0.20% |
For managing just cash assets, the fee ranges from 0.25% to 0.50%. For employer-sponsored retirement accounts where Retirement Collaborative LLC provides advice and trading through a third-party platform (Pontera), the fee is 0.50% if using the plan's normal investment options, or 0.75% if using a brokerage account window. This includes the Pontera platform fee of 0.25%. PCRA accounts may have a reduced fee (25% less) than the fee schedule listed above for Investment Management.