RetirePath Wealth provides investment management services on both a discretionary and non-discretionary basis. For discretionary accounts, they partner with Gradient Investments (GI) to access model portfolios and trading services. RetirePath Wealth also offers financial planning services, including full financial plans and hourly consultations, covering various aspects of an individual's financial situation. They tailor services to client goals and allow for restrictions on investments.
Fee Structure
RetirePath Wealth offers direct asset management services with an annual fee up to 1.25%, which is negotiable. They also partner with Gradient Investments (GI) to provide investment management through various portfolios. The fees for GI's services are:
- Strategic Portfolios: 2.00% annually (1.00% to GI, 1.00% to RetirePath Wealth)
- Tactical Portfolios: 1.80% annually (0.80% to GI, 1.00% to RetirePath Wealth) plus internal ETF fees of 0.20%
- Allocation & Defined Outcome Portfolios: 1.70% annually (0.70% to GI, 1.00% to RetirePath Wealth)
- Preservation Portfolios: 1.00% annually (0.40% to GI, 0.60% to RetirePath Wealth)
- Client Directed Accounts: Flat fee of $300 annually to GI.
These fees are assessed quarterly and are negotiable. There is also a $15 quarterly service fee for performance and other reporting.