Fincera provides investment advice using an Artificial Intelligence engine that selects model portfolios based on your financial profile. They manage accounts on a discretionary basis, tailoring advice to your objectives and risk tolerance. Fincera uses AI-assisted tools for portfolio construction and monitoring, with human oversight to review model outputs and handle exceptions.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.35% |
| $500K - $1.0M | 1.35% |
| $1.0M - $5.0M | 1.00% |
| $5.0M - $10.0M | 0.75% |
| $10.0M - $25.0M | 0.75% |
| $25M+ | 0.75% |
Standard advisory fee is 1.50% per year. Wealth Series Atlas (under $100,000 accounts) has a 1.75% fee with a $600 minimum annual fee. Wealth Series Titan ($100,000–<$1,000,000) has a 1.50% on the first $500,000; 1.35% on the next $500,000. Midas Link (performance-eligible strategy) has a 1.00% per year plus 20% of positive excess return over the agreed benchmark, with a perpetual high-water mark; For relationships over $5,000,000, we may reduce the advisory fee to 0.75% per year plus 20% performance, at our discretion.