Civitas Financial acts as a bridge between individual clients and third-party money managers who handle portfolio investments. When working with these third-party managers, Civitas Financial helps clients complete paperwork, monitors portfolio performance to ensure it aligns with client goals, and meets periodically to discuss any changes in financial situations. Civitas Financial also offers consulting services for qualified retirement plans, such as 401(k) and pension plans, operating under federal retirement plan rules. Additionally, the team members are licensed insurance agents and can offer insurance products separately.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.50% |
Total annual fees range from 1.00% to 1.95% depending on the strategy selected, split between the third-party manager and Civitas Financial. Client Directed Accounts charge a flat $300 fee. A $15 quarterly technology fee also applies.