Seth Heine LLC offers comprehensive financial planning and integrated investment advisory services for consumers and legal entities. The firm operates as an independent registered investment advisor based in Ormond Beach, Florida, and is controlled by Certified Financial Planner professional Seth Heine. Services cover wealth accumulation, wealth transfer, risk management, retirement planning, estate planning, budgeting, debt repayment, and insurance analysis. Seth Heine LLC provides non-discretionary portfolio management, meaning the firm actively monitors accounts and builds diversified portfolios using stocks, bonds, exchange-traded funds, mutual funds, real estate investment trusts, and alternative investments, but only places trades upon client approval and direct instructions. The firm requires clients to hold their securities at Charles Schwab & Co., Inc. as qualified custodian.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 1.20% |
| $100K - $1.0M | 1.00% |
| $1.0M - $2.0M | 0.89% |
| $2.0M - $3.0M | 0.85% |
| $3.0M - $5.0M | 0.75% |
| $5.0M - $10.0M | 0.60% |
| $10M+ | 0.30% |
Rates shown are for equities and equity-based investments. Bonds and fixed income investments have a separate lower schedule starting at 0.60% for the first $100,000 down to 0.15% for assets over $10,000,000. Cash and cash equivalents are excluded from fees. Fees may be negotiable.