Model One
The Wealth Management Model
Comprehensive financial planning and portfolio management for clients focused on building long-term wealth. One fee covers everything.
Best for clients seeking holistic financial planning.
For clients focused on building net worth, retirement planning, and long-term security, we provide comprehensive service that goes beyond investment selection. Your fee covers every service we offer -- there are no additional charges for financial planning, tax coordination, or any other advisory work.
Unlike firms that charge separately for financial planning on top of an AUM fee, our single fee structure means the more complex your situation, the more value you receive.
Annual fee on assets under management
Billed quarterly in arrears based on average daily account value. No upfront fees, no lock-up periods, no termination penalties.
What Is Included
- Full discretionary portfolio management
- Comprehensive financial planning and strategy
- Retirement income and distribution planning
- Tax-aware investment strategies and Roth conversion analysis
- Quarterly portfolio reviews and adjustments
- Estate planning coordination with your attorney
- Insurance coverage review and gap analysis
- Direct access to your portfolio manager
Who This Model Is For
- • Pre-retirees and retirees planning for income and preservation
- • Families building wealth toward specific financial milestones
- • Business owners managing personal wealth alongside business assets
- • Clients who prefer a predictable, transparent fee structure
Beyond the Portfolio
What Your Fee Covers
Active Portfolio Management
We do not set it and forget it. Your portfolio is actively monitored and adjusted based on market conditions, your evolving goals, and tax optimization opportunities.
Comprehensive Financial Planning
Retirement projections, cash flow analysis, Social Security optimization, estate coordination, and insurance review -- all included, not billed separately.
Direct Advisor Access
When you call, you reach the person managing your portfolio. No call centers, no junior associates, no committee approvals.
Fiduciary at All Times
We are legally bound to act in your best interest. We do not sell products, earn commissions, or accept compensation from anyone other than you.
Fee Transparency
What You Will Pay
No hidden fees, no separate planning charges. Here is exactly what our 1.25% annual fee looks like at various portfolio sizes.
| Portfolio Size | Annual Fee | Quarterly |
|---|---|---|
| $250,000 | $3,125 | $781.25/qtr |
| $500,000 | $6,250 | $1,562.5/qtr |
| $1,000,000 | $12,500 | $3,125/qtr |
| $2,000,000 | $25,000 | $6,250/qtr |
| $5,000,000 | $62,500 | $15,625/qtr |
Billed quarterly in arrears based on average daily account value. No upfront fees, no lock-up periods, no termination penalties.
How Our Fee Compares
Robo-Advisors
0.25% - 0.50%
Algorithm only. No financial planning, no human advisor.
Bancroft Booth
1.25%
Active management, comprehensive planning, direct advisor access. All included.
Large Brokerages
1.00% - 1.50%+
Financial planning often billed separately. Shared advisor teams.
The Difference
Why Not a Robo-Advisor or a Large Brokerage?
Robo-advisors charge less, but they offer an algorithm, not a relationship. When markets drop 30%, you cannot call an algorithm. When your tax situation changes or you receive an inheritance, an algorithm does not adjust your financial plan.
Large brokerage firms assign you to a team. Your primary advisor may have 200 or more client households. At Bancroft Booth, you work directly with the person making every investment decision in your portfolio. That is not a marketing promise -- it is a structural advantage of working with an independent practice.
Our 1.25% fee reflects the cost of genuine active management, ongoing financial planning, and a level of personal attention that larger firms cannot provide at scale.
Ready to get started?
Schedule a consultation to discuss your goals and learn more about our wealth management approach.