aLuman manages investment portfolios and provides comprehensive financial planning for individuals, families, and small businesses. The firm specializes in personalized portfolio management with an academically based, tactical, buy-and-hold approach, focusing on asset allocation, tax efficiency, and cash flow management. In addition to investment management, aLuman offers financial planning services covering retirement, scenario analysis, coaching, cash flow, taxes, and estate planning. The firm operates as an independent advisor with no product sales, commissions, or third-party kickbacks, charging fees solely directly from clients.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.95% |
| $1.0M - $3.0M | 0.70% |
| $3.0M - $5.0M | 0.50% |
| $5.0M - $10.0M | 0.30% |
| $10M+ | 0.25% |
Fees are negotiable on a client-by-client basis. Asset management fees generally also cover ongoing comprehensive financial planning.