Altiora Financial Group, LLC is a registered investment advisor founded in 2018 and based in Ohio. Altiora offers a combined investment and financial advisory service, utilizing evidence-based, academic research strategies primarily through passive exchange-traded funds and index funds. For the investment portion, Altiora creates an Investment Policy Statement and manages portfolios on either a discretionary basis or non-discretionary basis. For the financial advisory portion, Altiora develops a personalized financial plan addressing areas such as retirement planning, education funding, investment risk analysis, cash flow strategies, charitable giving, employee benefits, insurance reviews, income tax strategies, and general estate planning. Altiora charges a flat annual retainer fee rather than charging a percentage of the value of your portfolio. Altiora serves individuals, high-net-worth individuals, trusts, and estates.
Fee Structure
Altiora Financial Group does not charge a percentage of your portfolio to manage your investments. Instead, Altiora charges a flat annual retainer fee that covers both investment management and ongoing financial planning. The fee is negotiated individually and generally ranges between $4,000 and $12,000 per year, depending on the complexity of your situation, the number of accounts, and the scope of services. Fees are billed quarterly in arrears and are typically deducted directly from your investment account.