Pricing and Services

Assets Under Management (AUM) Fees*:

Tier	Minimum Investment	Maximum Investment	Fee Percentage
1	$1,000	$1,000,000	1.3%
2	$1,000,000.01	$2,500,000	0.95%
3	$2,500,000.01	$5,000,000	0.6%
4	$5,000,000.01	And Above	0.3%

*Discounts are available for aggregate contributions, rollovers, deposits, etc of more than $1,000,000. Contact our office for more details.

Personal Financial Planning Fees:

Personal Financial Planning Fees start at $1,000 at can reach $15,000. Please fill out our Complexity Matrix at this link to determine what your fee might be. Financial Planning is offered on a complimentary basis if:

1. All available investment accounts are managed by Castellum Financial. We do not consider plans offered by your current employer to be "available," or,
2. Your AUM fees to Castellum equaled $5,000 or more in the past and withdraws did not cause your balance to stop generating $5,000 in fees

Business and Executive Compensation Planning:

$250 per hour with a minimum initial engagement of 10 hours. Please contact us to receive a more extensive quote. Jump to Business & Executive Planning topics by using this link.

Full List of Financial Planning Topics (for reference,not all inclusive):

Education Planing

• College costs and inflation analysis
• Educational tax credits
• Expected family contribution
• FAFSA review
• Financial Aid strategies
• Funding and contribution strategies
• Grants and other funding sources analysis
• Parent Plus loans vs Student loans analysis
• Provide direction on ownership of assets
• Trust usage for education funding

Estate Planning

• Beneficiary review
• Charitable planning strategies
• Estate tax analysis
• Explanation of estate planning structures/documents – wills, POA, Trusts, etc.
• Explanation of general taxation issues of trusts and estates – filing requirements, deadlines, etc.
• Explanation of types and treatment of trust income - accounting, taxable, distributable
• Family financial education
• Generational estate transfer planning strategies
• Gifting strategies
• Guidance on ownership titles and titling of assets
• Guidance on sources of estate liquidity
• Health Care Directives
• Analysis of private annuities and family loan strategies
• Ongoing trust review
• Sources of estate liquidity
• Special needs planning
• Trust planning and education
• Wealth transfer scenarios

Investment Planning

• Annual portfolio review
• Asset allocation selection
• Dollar cost averaging strategies
• Investment policy statement development
• Ongoing risk tolerance assessment
• Product research
• Re-balancing strategies

Personal Wealth Planning

• Cash flow projections
• Change in lifestyle guidance & updates
• Debt management and consolidation
• Mortgage analysis
• Real estate purchase analysis
• Expense management
• Explain various components of cash flow (income, taxes, expenses)
• Financing and funding analysis
• Goal prioritization & accountability
• HSA contributions strategies
• Major purchase goal analysis
• Personal financing strategies
• Provide financial guidance/planning for special circumstances – divorce, disability, job loss, special needs, monetary windfall, etc.
• Provide guidance and analysis on cash flow management, budgeting, and emergency fund planning
• Refinance scenarios
• Savings strategies
• What if scenarios

Retirement Planning

• Asset dissipation strategies
• Assist in the coordination of retirement plan service providers
• Beneficiary designation planning
• Contribution limits planning
• Contribution strategies
• Education on various retirement plans
• Employer benefits review
• Employer plans vs. self directed plans
• Identifying income in retirement
• Investment consulting with plan sponsor investment committee
• Plan participant asset allocation and investment recommendations
• QLAC Strategy Review
• Retirement funding solutions
• Retirement needs analysis
• Retirement plan choices (IRA, SEP, etc.)
• Retirement plan strategies and coordination
• Retirement plan stress testing
• RMD or 72t calculations and explanations
• RMD strategies
• Rollover distribution strategies
• Social security & medicare planning

Risk Management

• Annuity Income Analysis
• Asset allocation, diversification, and securities research for variable life and/or annuities (provided advisor is not rep/agent of record)
• Business liability review
• Cyber risk awareness
• Disability and health insurance analysis
• Education on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs. reimbursement
• Existing policy review
• Liability & Umbrella Insurance analysis
• Life insurance planning
• Long term care planning
• Planning for unforeseen risks
• Income analysis from insurance policy loans
• Property and casualty insurance analysis
• Risk exposure analysis
• Survivorship income planning

Tax Planning

• Cost basis review & analysis
• Delivering accounting opinion
• Discuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etc.
• Identifying AMT issues
• Income tax illustrations and analysis
• Income taxation of life insurance and annuity products
• Investment cost basis research and reporting
• Itemized deduction review
• Non-qualified deferred compensation programs
• Optimal tax strategies
• Qualified charitable distributions
• Retirement and HSA deductible contributions
• Roth conversions
• Tax diversification strategies
• Tax implications of various stock plans – Restricted, phantom, SARs, ESPP
• Tax law changes and projections
• Tax loss harvesting
• Tax-managed investments strategies

Ongoing Financial Planning and Maintenance of all of the above

 

Business Planning

• Business use of insurance
• Business value consulting
• Buy/Sell agreement analysis
• Cash flow analysis
• Cash flow and income statement analysis
• Cash management
• Deferred compensation plan analysis
• Employee benefit and retirement plan strategies
• Employee benefits planning
• Entity structuring education
• Financing Strategies
• Intra-Family and other business transfer techniques
• Non-Formal Business Valuation
• Succession or exit planning

Executive Compensation Strategies

• Deferred comp funding and distribution
• NUA Strategies
• Risk concentration strategies
• Stock option analysis
• Tax efficient exercise and vesting strategies