360 Financial offers comprehensive investment management, financial planning, and consulting services for individuals, families, and businesses. Founded in 1995 and based in Wayzata, Minnesota, 360 Financial manages portfolios by building customized mixes of stocks, bonds, mutual funds, and exchange-traded funds tailored to each client's specific goals. The firm reviews portfolios at least quarterly and rebalances them as needed. For accounts with at least $500,000, financial planning and consulting are generally included at no additional cost. Clients can also hire 360 Financial for standalone financial planning, retirement plan consulting for employers, and educational webinars covering topics like market overviews, retirement income, and social security. The firm emphasizes individualized advice while allowing clients to place reasonable restrictions on their investments.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $200K | 1.60% |
| $200K - $750K | 1.50% |
| $750K - $2.0M | 1.20% |
| $2.0M - $5.0M | 0.95% |
| $5.0M - $10.0M | 0.80% |
| $10.0M - $21.0M | 0.65% |
| $21.0M - $35.0M | 0.50% |
| $35.0M - $50.0M | 0.40% |
| $50M+ | 0.40% |
Fees are generally negotiable and household totals are taken into account when determining the fee rate.