Merkle Retirement Planning offers investment advisory services, including model portfolio selection and direct asset management. They work with clients to determine their financial situation, investment objectives, and risk tolerance. They may recommend insurance products and annuities, creating a potential conflict of interest. Financial planning services are also available, covering various topics like retirement, tax, and estate planning. Merkle Retirement Planning uses third-party managers and sub-advisors to assist with investment strategies.
Fee Structure
Merkle Retirement Planning's fees for investment management are based on a percentage of the value of your portfolio. The exact fee is negotiable and can be up to 2.00% annually. The fee includes a portion for AE Wealth Management and the model portfolio manager, if applicable. Fees are deducted from your account monthly. This is a wrap fee program, so you generally won't pay separate commissions or custodial fees. However, you may incur charges from mutual funds or ETFs within your portfolio.