Fees & Pricing
We are a fee-only advisor — paid directly by our clients, never through commissions or product sales. Our pricing is straightforward because cost is what you pay and value is what you receive. Asset-management fees are billed quarterly in advance and are generally deducted directly from your managed account by your independent custodian.
| Assets Under Management | Annual Advisory Rate |
|---|---|
| First $1,000,000 — standard new-client rate | 1.25% |
| $1,000,000 – $6,000,000 | 0.90% |
| Over $6,000,000 | 0.50% |
Fees are negotiable and typically fall within a 0.35%–1.25% range; the exact rate is set in your advisory agreement and may vary with the complexity and depth of the relationship. We do not impose a minimum account size.
Included for clients at no additional cost
Your advisory fee covers the full concierge relationship — not just portfolio management. Clients also receive, at no extra charge:
- The AssetPlanet platform — the Organizer, Planner, and Protector modules.
- Concierge guidance across the services outlined above.
- Our newsletters and periodic market commentary.
- Householding — aggregating related family accounts toward your tier.
Financial Planning & Consulting
For those who prefer a one-time engagement rather than ongoing management, we offer planning and consulting on an hourly ($650/hr) or flat-fee basis, scoped to the complexity of the work.
A 50% retainer is collected up front, with the balance due within 30 days of your plan being delivered. The retainer will not exceed $1,200 for engagements that cannot be completed within six months. Managed-services clients are not charged hourly planning fees.
Other Costs You May Incur
Certain third-party costs are billed separately, and we receive no part of them: internal fund expenses (mutual-fund, index-fund, and ETF management fees, disclosed in each fund’s prospectus) and any transaction or custodial charges from your custodian or executing broker.
We charge no performance-based fees and earn no commissions on securities.
This summary reflects our Form ADV Part 2A, which is the controlling document. Fees are negotiable and subject to change, and individual, family, or legacy relationships may be subject to different arrangements as specified in each client’s advisory agreement. Please see our Form ADV Part 2A brochure for complete details.
Read our Form ADV Part 2ARead our Investment PolicyFamilies & Household
Our business is built around household relationships. A household typically begins with an individual or couple who start a relationship with GoTo Financial, and it grows over time as other family members — related by birth or marriage — join. Once that initial relationship is established, we no longer apply minimum account criteria to new members. The grandchild starting a first job out of college who needs advice, or a small IRA rollover needing a new home, are examples of family relationship items we are happy to assist with.
As additional members join, they contribute to the household's combined assets under management (AUM), which can qualify the entire household for the discounted pricing tiers in our ADV fee schedule. Pricing is leveled across the household — we combine the balances of every account and apply a single, blended advisory fee based on that total, rather than billing each account on its own. Because the schedule is tiered, pooling the household's accounts generally moves the relationship into a lower fee bracket than any one member would reach alone, and every account shares that same reduced rate. In short, a smaller balance benefits from the size of the relationship, and adding a family member can lower the cost for everyone already in the household.