11 Financial is a registered investment advisor offering ongoing portfolio management, financial planning, and selection of third-party sub-advisors like Betterment. Led by Taylor James Kovar and operating under names including Physician Financial Planning and Kovar Wealth Management, the firm tailors its services to individual client goals, risk tolerance, and time horizons. Portfolio management services cover investment strategy, asset allocation, and regular monitoring, utilizing various securities such as mutual funds, exchange-traded funds, equities, fixed income, and options. The firm also provides hourly and fixed-fee financial planning covering areas like retirement, taxes, and estate planning, and offers education seminars at no charge.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 2.00% |
| $1.0M - $2.5M | 1.75% |
| $2.5M - $5.0M | 1.50% |
| $5.0M - $7.5M | 1.25% |
| $7.5M - $10.0M | 1.00% |
| $10.0M - $25.0M | 0.75% |
| $25M+ | 0.50% |
Fees are generally negotiable. For clients using Betterment, third-party platform fees of up to 0.25% may apply separately.