C.L. Sheldon & Company, LLC offers comprehensive financial planning and non-discretionary investment management services primarily to individuals and high-net-worth clients. The firm operates on a fee-only basis using a bundled service model divided into two main tiers: Financial Planning and Wealth Management. Depending on client needs, C.L. Sheldon & Company, LLC assists with risk management, tax planning, retirement planning, estate planning, education funding, and debt management. In addition to ongoing wealth management, the firm offers stand-alone financial planning, consulting, and financial coaching. Investment management services are provided on a non-discretionary basis, meaning client consent is required before executing portfolio transactions. C.L. Sheldon & Company, LLC primarily recommends mutual funds, exchange-traded funds, and individual fixed-income securities, and typically utilizes Altruist as the primary broker-dealer and custodian.
Fee Structure
C.L. Sheldon & Company, LLC charges a flat annual fee for bundled financial planning and investment management services. The fee varies based on the service tier selected:
- Financial Planning tier — minimum annual fee of $6,000, of which $1,000 is attributed to investment management.
- Wealth Management tier — minimum annual fee of $12,000, of which $2,000 is attributed to investment management.
Fees are paid quarterly in arrears. While flat fees for bundled services may exceed 2.00% of portfolio value depending on account size, the portion specifically attributable to investment management services will not exceed 2.00%.
