Cloudsplitter Financial Planning is a registered investment advisor based near Cincinnati, Ohio, founded and operated by Certified Financial Planner Michael Schelle. Cloudsplitter Financial Planning focuses on helping working individuals, families, and retirees align their personal values and financial goals into a comprehensive financial plan. The firm offers a wide range of services including portfolio management, retirement income planning, tax planning and strategy, education funding, estate planning guidance, charitable giving strategies, and comprehensive insurance reviews. Cloudsplitter Financial Planning operates on a fee-only compensation structure, meaning the firm does not sell commissioned products or receive referral fees, relying solely on advisory fees paid directly by clients to minimize conflicts of interest.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.00% |
| $500K - $1.0M | 0.90% |
| $1.0M - $3.0M | 0.80% |
| $3.0M - $5.0M | 0.70% |
| $5M+ | 0.60% |
Fees are negotiable at the discretion of the advisor based on account size and relationship.